Santa Rosa County property record for 7165 Reef St, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,340 sqft · built 1993 |
| Lot Size | 0.459 acres (19,994 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $214,000 (Jan 2007) |
| Tax Bill | $2,381 (2024) |
| Deeds & Mortgages | May 2017 Line of Credit Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-2S-26-1920-16500-0170 |
| Primary APN | 18-2S-26-1920-16500-0170 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,340 sqft Living Area |
| Gross Area | 3,323 sqft |
| 1st Floor Area | 2,340 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 19,994 sqft (0.459 acres) |
| Lot Dimensions | 200 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 573 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 294 sqft |
| Patio Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 7165 REEF ST |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-8780 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HOLLEY BY THE SEA LOT 17 BLK 165 AS DES IN OR 2687 PG 332 |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 18 |
| Legal Subdivision | HOLLEY SEA/1ST AMD |
| Legal Block | 165 |
| Legal Lot Number | 17 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 10822 |
7165 Reef St is owned and occupied by two individuals who acquired it in December 2024.
Source: Santa Rosa County records, as of February 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7165 REEF ST, NAVARRE, FL 32566-8780 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 24, 2017 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Aug 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF ENGLAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 3, 2007 · Amount on File |
| Deed Sale | Jan 3, 2007 · Amount on File |
| Prior Sale | Feb 18, 2003 · Amount on File |
| Deed Document Number | 2007224 |
| Deed Book / Page | 2687 / 332 |
| Last Transfer Date | Dec 8, 2024 |
| Transfer Doc | 0045721375 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 7165 REEF RD, NAVARRE, FL 32566-8780 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0036270872 |
|---|---|
| Date | May 24, 2017 |
| Book Page | 3627/0872 |
| Instrument | 201720964 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 7165 REEF RD, NAVARRE, FL 32566-8780 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FATCO |
| Name | Verified Name |
|---|---|
| Address | 7165 REEF RD, NAVARRE, FL 32566-8780 |
| Document Number | 0039921467 |
|---|---|
| Date | Aug 20, 2020 |
| Book Page | 3992/1467 |
| Instrument | 202042446 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2035 |
Source: Santa Rosa County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $235,561 (+2.9%) | $381,281 (+2.94%) Land $75,000 Building $306,281 | |
| 2024 | $2,381.00 (+2.41%) Homeowner's exemption | $228,922 (+3%) | $370,400 (+2.31%) Land $75,000 Building $295,400 |
| 2023 | $2,325.00 (+2.88%) Homeowner's exemption | $222,254 (+3%) | $362,046 (+4.42%) Land $71,250 Building $290,796 |
| 2022 | $2,260.00 Homeowner's exemption | $215,781 | $346,726 Land $66,500 Building $280,226 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7165 Reef St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 227 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 227 in force |
| Nearby Flood Claims | 5 (2004–2021) |
| Claims Outside the SFHA | 3 of 5 |
| Most Recent Claim | Oct 2021 · rainfall accumulation |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 7165 Reef St is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HOLLEY-NAVARRE WATER SYSTEM public/private · serves 47,793 people · EPA ID FL1570349 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | 6 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 200 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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