Santa Rosa County property record for 7185 Caddy Cir, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,358 sqft · built 2002 |
| Lot Size | 0.786 acres (34,238 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $620,000 (Oct 2018) |
| Tax Bill | $499 (2024) |
| Deeds & Mortgages | Jul 2020 Mortgage Oct 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-2S-27-1922-30300-0090 |
| Primary APN | 02-2S-27-1922-30300-0090 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,358 sqft Living Area |
| Gross Area | 7,621 sqft |
| 1st Floor Area | 3,358 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 34,238 sqft (0.786 acres) |
| Lot Width | 54 ft Width |
| View / Lot | Golf Course |
| Garage Type | Attached |
| Garage Area | 3,424 sqft |
| Parking Spaces | 11 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 839 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 7185 CADDY CIR |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-8885 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HOLLEY BY THE SEA 1ST ADD LOT 9 BLK 303 AS DES IN OR 1926 PG 723 & OR 3770 PG 1556 |
| Legal Range | 27W |
| Legal Township | 2S |
| Legal Section | 02 |
| Legal Subdivision | HOLLEY SEA/1ST ADDIT |
| Legal Block | 303 |
| Legal Lot Number | 9 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 10822 |
7185 Caddy Cir is owned and occupied by two individuals who bought it in October 2018.
Source: Santa Rosa County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7185 CADDY CIR, NAVARRE, FL 32566-8885 |
| 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 |
|---|---|
| Jul 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Oct 1, 2018 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 2018 · Amount on File |
| Deed Sale | Oct 1, 2018 · Amount on File |
| Prior Sale | Aug 1, 2001 · Amount on File |
| Deed Document Number | 201842274 |
| Deed Book / Page | 3770 / 1556 |
| Prior Transfer Date | Oct 23, 2009 |
| Prior Transfer Doc | 0029381036 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 7185 CADDY CIR, NAVARRE, FL 32566-8885 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0039820976 |
|---|---|
| Date | Jul 28, 2020 |
| Book Page | 3982/976 |
| Instrument | 202037694 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Oct 1, 2018 |
| Property Address | 7185 CADDY CIR, NAVARRE, FL 32566-8885 |
| Document Number | 0037701556 |
| Book / Page | 3770 / 1556 |
| Map Reference | MB E PG15 |
| Instrument Date | Sep 28, 2018 |
| Instrument | 201842274 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,340.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 7185 CADDY CIR, WATERVILLE, OH 43566 |
| Document Number | 0201842275 |
|---|---|
| Date | Oct 1, 2018 |
| Instrument | 201842275 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2048 |
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 | $622,171 (+2.9%) | $841,314 (+0.15%) Land $198,000 Building $643,314 | |
| 2024 | $499.00 (+7.54%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $604,637 (+3%) | $840,029 (+5.33%) Land $198,000 Building $642,029 |
| 2023 | $464.00 (+6.42%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $587,025 (+3%) | $797,501 (+9.91%) Land $145,200 Building $652,301 |
| 2022 | $436.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $569,927 | $725,582 Land $132,000 Building $593,582 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7185 Caddy Cir in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2004.
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 |
|---|---|
| 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 7185 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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