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7172 Reef St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 7172 Reef St, Navarre, FL 32566

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,702 sqft · built 1998
Lot Size0.549 acres (23,914 sqft)
Owner2 Individual Names on File
Last Sale$470,000 (Jun 2021)
Tax Bill$241 (2024)
Deeds & MortgagesJun 2021 Sale & Mortgage
Aug 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN18-2S-26-1920-16400-0130

Property Details

APN / Parcel Number

Primary APN18-2S-26-1920-16400-0130
Alternative APN
  • S262181920164000130

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,702 sqft Living Area
Gross Area3,688 sqft
1st Floor Area2,702 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 2003
Exterior MaterialBrick
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialWood Shingle
Lot Area23,914 sqft (0.549 acres)
Garage TypeAttached
Garage Area524 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchEnclosed Porch
Porch Area462 sqft
Shed1 Shed
Shed Area1 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address7172 REEF ST
CityNAVARRE
StateFL
Zip32566-8779
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionHOLLEY BY THE SEA LOT 13 BLK 164 AS DES IN OR 4133 PG 1598
Legal Range26W
Legal Township2S
Legal Section18
Legal SubdivisionHOLLEY SEA/1ST AMD
Legal Block164
Legal Lot Number13
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group1
Census Block1011
Census Tract10822

Owner

7172 Reef St is owned and occupied by two individuals who bought it in June 2021.

Source: Santa Rosa County records, as of December 8, 2025

Owner of Record2 Individual Names on File
Mailing Address7172 REEF ST, NAVARRE, FL 32566-8779
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Jun 15, 2021Warranty Deed, Transfer · VA Mortgage
USAA FSB
Aug 20, 2020Warranty Deed, Transfer · VA Mortgage
PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 15, 2021 · Amount on File
Deed SaleJun 15, 2021 · Amount on File
Prior SaleAug 20, 2020 · Amount on File
Deed Document Number202140128
Deed Book / Page4133 / 1598
Prior Transfer DateMay 26, 2011
Prior Transfer Doc0030611817
Record UpdatedJun 8, 2026

June 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateJun 15, 2021
Property Address7172 REEF RD, NAVARRE, FL 32566-8779
Document Number0041331598
Book / Page4133 / 1598
Map ReferenceMB B PG 155
Instrument DateJun 10, 2021
Instrument202140128
Transaction TypeTransfer
Record UpdatedJul 26, 2021
Title CompanyRELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,290.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address7271 REEF STRRET, 7271, NAVARRE, FL 32566

Transferred To (Grantee/Buyer)

NameVerified Name
Address7172 REEF RD, NAVARRE, FL 32566-8779

Mortgage

Document Number41331599
DateJun 15, 2021
Instrument4133/1599
Lender
NameUSAA FSB
TypeBank
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2051

August 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateAug 20, 2020
Property Address7172 REEF RD, NAVARRE, FL 32566-8779
Document Number0039921887
Book / Page003992 / 001887
Instrument DateAug 11, 2020
Instrument42504
Transaction TypeTransfer
Record UpdatedOct 2, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,624.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address7172 REEF RD NAVARRE FL 325668779, NAVARRE, FL 32566-8779

Mortgage

Document Number39921889
DateAug 20, 2020
Book Page003992/001889
Instrument42505
Lender
NamePRIVATE INDIVIDUAL
TypePrivate Party
AddressPENSACOLA, FL 32501
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueAug 19, 2050

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$436,314 (+2.42%) Land $75,000 Building $361,314$436,314 (+2.42%) Land $75,000 Building $361,314
2024$241.00 (+7.59%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$425,993 (+2.49%) Land $75,000 Building $350,993$425,993 (+1.55%) Land $75,000 Building $350,993
2023$224.00 (+6.16%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed$415,636 (+3%)$419,474 (+3.95%) Land $71,250 Building $348,224
2022$211.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed$403,530$403,530 Land $66,500 Building $337,030

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 7172 Reef St in Zone X, an area of minimal flood risk, within 500 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 227 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies227 in force
Nearby Flood Claims5 (2004–2021)
Claims Outside the SFHA3 of 5
Most Recent ClaimOct 2021 · rainfall accumulation
Claims by Event
  • Hurricane Sally, Sep 2020 · 3 claims

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

Wildfire risk around 7172 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 RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.04% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemHOLLEY-NAVARRE WATER SYSTEM
public/private · serves 47,793 people · EPA ID FL1570349
Water SourceGroundwater
Last State InspectionOct 2025
Lead6 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 200 locations within half a mile, as of December 31, 2025

ProviderMax 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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