Santa Rosa County property record for 7196 Reef St, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,181 sqft · built 2004 |
| Lot Size | 0.458 acres (19,994 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $265,000 (Jun 2018) |
| Tax Bill | $682 (2024) |
| Deeds & Mortgages | Aug 2019 Mortgage Jun 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-2S-26-1920-16400-0100 |
| Primary APN | 18-2S-26-1920-16400-0100 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,181 sqft Heated Area |
| Gross Area | 2,959 sqft |
| 1st Floor Area | 2,601 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Lot Area | 19,994 sqft (0.458 acres) |
| Lot Dimensions | 2,000 ft deep x 1,000 ft wide |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 358 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 182S261920164000100 |
|---|---|
| Street Address | 7196 REEF ST |
| City | NAVARRE |
| State | FL |
| Zip | 32566-8779 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HOLLEY BY THE SEA LOT 10 BLK 164 AS DES IN OR 3742 PG 2010 |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 18 |
| Legal Subdivision | BY THE SEA |
| Legal Block | 164 |
| Legal Lot Number | 10 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 10822 |
7196 Reef St is owned and occupied by two individuals who bought it in June 2018.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7196 REEF ST, NAVARRE, FL 32566-8779 |
| 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 |
|---|---|
| Aug 9, 2019 | Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG |
| Jun 28, 2018 | Warranty Deed, Transfer · VA Mortgage UNIVERSITY LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 28, 2018 · Amount on File |
| Deed Sale | Jun 28, 2018 · Amount on File |
| Prior Sale | Sep 14, 2009 · Amount on File |
| Deed Document Number | 0037422010 |
| Deed Book / Page | 3742 / 2010 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 7196 REEF RD, NAVARRE, FL 32566-8779 |
| Document Number | 0038630667 |
| Instrument Date | Aug 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7196 REEF RD NAVARRE FL 325668779, NAVARRE, FL 32566-8779 |
| Document Number | 0038630667 |
|---|---|
| Date | Aug 26, 2019 |
| Book Page | 003863/000667 |
| Instrument | 37633 |
| Name | CLEARPATH LNDG |
|---|---|
| Address | IRVINE, CA 92618 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 25, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jun 28, 2018 |
| Property Address | 7196 REEF RD, NAVARRE, FL 32566-8779 |
| Document Number | 0037422010 |
| Book / Page | 003742 / 002010 |
| Instrument Date | Jun 28, 2018 |
| Instrument | 27603 |
| Transaction Type | Transfer |
| Record Updated | Sep 5, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,855.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 11 CLOVER DR JACKSONVILLE IL 626501703, JACKSONVILLE, IL 62650-1703 |
| Document Number | 37422016 |
|---|---|
| Date | Jun 28, 2018 |
| Book Page | 003742/002016 |
| Instrument | 27605 |
| Name | UNIVERSITY LNDG |
|---|---|
| Address | SOUTHFIELD, MI 48034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 27, 2048 |
Source: Santa Rosa County assessment roll, as of July 1, 2024
| 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 |
|---|---|---|---|
| 2024 | $682.00 (+3.65%) Homeowner's exemption Disabled Person's exemption | $257,612 (+3%) | $350,650 (+2.86%) Land $75,000 Building $275,650 |
| 2023 | $658.00 (+3.46%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $250,109 (+3%) | $340,907 (+4.11%) Land $67,500 Building $273,407 |
| 2022 | $636.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $242,824 | $327,462 Land $63,000 Building $264,462 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7196 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 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 7196 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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