Santa Rosa County property record for 7184 Caddy Cir, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,335 sqft · built 2018 |
| Lot Size | 0.667 acres (29,055 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $115,000 (Feb 2017) |
| Tax Bill | $6,738 (2025) |
| Deeds & Mortgages | May 2017 Construction Loan Jan 2019 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-2S-27-1922-30300-0080 |
| Primary APN | 02-2S-27-1922-30300-0080 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 3,335 sqft Living Area |
| Gross Area | 5,973 sqft |
| 1st Floor Area | 3,335 sqft |
| Upper Floors Area | 803 sqft |
| Flooring | Stone |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Wood |
| Construction Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 29,055 sqft (0.667 acres) |
| Lot Width | 39 ft Width |
| View / Lot | Golf Course |
| Garage Type | Attached |
| Garage Area | 1,692 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 50 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 7184 CADDY CIR |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-8884 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HOLLEY BY THE SEA 1ST ADD LOT 8 BLK 303 AS DES IN OR 3597 PG 1027 |
| Legal Range | 27W |
| Legal Township | 2S |
| Legal Section | 02 |
| Legal Subdivision | HOLLEY SEA/1ST ADDIT |
| Legal Block | 303 |
| Legal Lot Number | 8 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 10822 |
7184 Caddy Cir is owned and occupied by two individuals who bought it in February 2017.
Source: Santa Rosa County records, as of August 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7184 CADDY CIR, NAVARRE, FL 32566-8884 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 26, 2017 | Deed of Trust, Mortgage · Construction Mortgage WHITNEY BANK |
| Jan 25, 2019 | Deed of Trust, Mortgage · Commercial Mortgage WHITNEY BANK |
| Jul 8, 2019 | Deed of Trust, Mortgage · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB |
| Apr 1, 2020 | Deed of Trust, Mortgage · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB |
| Dec 14, 2020 | Deed of Trust, Mortgage · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB |
| Feb 22, 2021 | Deed of Trust, Mortgage · Line of Credit WHITNEY BANK |
| Aug 3, 2018 | Loan Modification, Mortgage HANCOCK WHITNEY BK |
| Feb 9, 2017 | Warranty Deed, Transfer · Commercial Mortgage HANCOCK BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 9, 2017 · Amount on File |
| Deed Sale | Feb 9, 2017 · Amount on File |
| Prior Sale | Jan 18, 2002 · Amount on File |
| Deed Document Number | 20175181 |
| Deed Book / Page | 3597 / 1016 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 7184 CADDY CIR, NAVARRE, FL 32566-8884 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0036280273 |
|---|---|
| Date | May 26, 2017 |
| Book Page | 3628/0273 |
| Instrument | 201721341 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Address | GULFPORT, MS 39502 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.87% |
| Type Change Date | Jun 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.87% |
| Index | 1-Year LIBOR |
| Max Rate | 8.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 7184 CADDY CIR, NAVARRE, FL 32566-8884 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0037990384 |
|---|---|
| Date | Jan 25, 2019 |
| Book Page | 3799/0384 |
| Instrument | 201903017 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Address | GULF BREEZE, FL 32561 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jan 2, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 7184 CADDY CIR, NAVARRE, FL 32566-8884 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0038462023 |
|---|---|
| Date | Jul 8, 2019 |
| Book Page | 3846/2023 |
| Instrument | 201928964 |
| Name | NORTH AMERICAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | GRANDVIEW, MO 64030 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 7184 CADDY CIR, NAVARRE, FL 32566-8884 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Title Company | TRANSTAR NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0039350431 |
|---|---|
| Date | Apr 1, 2020 |
| Book Page | 3935/431 |
| Instrument | 202015909 |
| Name | NORTH AMERICAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | GRANDVIEW, MO 64030 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 7184 CADDY CIR, NAVARRE, FL 32566-8884 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 7184 CADDY CIR, NAVARRE, FL 32566-8884 |
| Document Number | 0040420912 |
|---|---|
| Date | Dec 14, 2020 |
| Book Page | 4042/912 |
| Instrument | 202067389 |
| Name | NORTH AMERICAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | GRANDVIEW, MO 64030 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 7184 CADDY CIR, NAVARRE, FL 32566-8884 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 7184 CADDY CIR, NAVARRE, FL 32566-8884 |
| Document Number | 0040750440 |
|---|---|
| Date | Feb 22, 2021 |
| Book Page | 4075/440 |
| Instrument | 202111306 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Address | GULF BREEZE, FL 32561 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Jan 21, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 7184 CADDY CIR, NAVARRE, FL 32566-8884 |
| Document Number | 0037600084 |
| Instrument Date | Aug 3, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7E84 CADDY CIR NAVARRE FL 32566, NAVARRE, FL 32566 |
| Document Number | 0037600084 |
|---|---|
| Date | Aug 24, 2018 |
| Book Page | 003760/000084 |
| Instrument | 36464 |
| Name | HANCOCK WHITNEY BK |
|---|---|
| Address | NEW ORLEANS, LA 70122 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Aug 23, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Feb 9, 2017 |
| Property Address | 7184 CADDY CIR, NAVARRE, FL 32566-8884 |
| Document Number | 0035971016 |
| Book / Page | 3597 / 1016 |
| Map Reference | MB E PG15 |
| Instrument Date | Jan 30, 2017 |
| Instrument | 201705181 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $805.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 7590 GULF BLVD, NAVARRE, FL 32566-7026 |
| Document Number | 0201705182 |
|---|---|
| Date | Feb 9, 2017 |
| Instrument | 201705182 |
| Name | HANCOCK BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 7184 Caddy Cir was $6,738 with exemptions applied, up 3.5% from the year before.
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 | $6,738.00 (+3.45%) Homeowner's exemption Veteran's exemption | $599,032 (+2.9%) | $962,233 (+1.71%) Land $165,000 Building $797,233 |
| 2024 | $6,513.00 (+19.26%) Homeowner's exemption Disabled Person's exemption | $582,150 (+18.96%) | $946,084 (+14.37%) Land $165,000 Building $781,084 |
| 2023 | $5,461.00 (+2.48%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $489,350 (+3%) | $827,211 (+11.69%) Land $121,000 Building $706,211 |
| 2022 | $5,329.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $475,097 | $740,629 Land $110,000 Building $630,629 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7184 Caddy Cir 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 Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 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 7184 Caddy Cir 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 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
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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