7232 Lost Treasure Ct, Navarre, FL 32566 Property Records

Santa Rosa County property record for 7232 Lost Treasure Ct, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,102 sqft · built 2023
Lot Size	0.252 acres (10,977 sqft)
Owner	2 Individual Names on Record
Last Sale	$449,500 (Dec 2023)
Tax Bill	$3,659 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38-1S-27-4932-00D00-0010`

Property Details

APN / Parcel Number

Primary APN	`38-1S-27-4932-00D00-0010`
Alternative APN	`S27138493200D000010`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,102 sqft Living Area
Gross Area	3,108 sqft
1st Floor Area	2,102 sqft
Flooring	Wood

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Brick
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	10,977 sqft (0.252 acres)
Garage Type	Attached
Garage Area	483 sqft

Exterior Amenities

Porch	Slab
Porch Area	303 sqft
Patio Area	220 sqft
Gazebo	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7232 LOST TREASURE CT
City	NAVARRE
State	FL
Zip	32566-9838
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SECRET ISLE ESTATES LOT 1 BLK D (PB 14 PG 39) AS DES IN OR 4458 PG 1637
Legal Subdivision	SECRET ISLE ESTATES
Legal Block	D
Legal Lot Number	1
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1229
Census Tract	10802

Owner

Source: Santa Rosa County records, as of July 14, 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 Record
Mailing Address	29 MULCAHY LN, BILLERICA, MA 01821-3855
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2023 · Amount on Record
Deed Sale	Dec 15, 2023 · Amount on Record
Deed Document Number	202355504
Deed Book / Page	4458 / 1637
Record Updated	Sep 20, 2026

December 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 15, 2023
Property Address	7232 LOST TREASURE CT, NAVARRE, FL 32566-9838
Document Number	0044581637
Book / Page	4458 / 1637
Map Reference	MB 14 PG 39
Instrument Date	Dec 15, 2023
Instrument	202355504
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 16, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,146.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1903 ANDORRA ST, NAVARRE, FL 32566-9111

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 MULCAHY LN, BILLERICA, MA 01821-3855

Mortgage

Document Number	0044581640
Date	Dec 15, 2023
Instrument	4458/1640

Lender

Name	UNIVERSITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,659.00 (+4.27%) Homeowner's exemption	$341,912 (+3.61%)	$366,326 (+11.01%) Land $65,000 Building $301,326
2024	$3,509.00 (+608.89%) Homeowner's exemption	$329,996 (+724.99%) Land $55,000 Building $274,996	$329,996 (+724.99%) Land $55,000 Building $274,996
2023	$495.00 (+173.48%)	$40,000 (+158.06%) Land $40,000	$40,000 (+158.06%) Land $40,000
2022	$181.00	$15,500	$15,500 Land $15,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 Record median of 198 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	198 in force
Nearby Flood Claims	133 (1995–2024)
Claims Outside the SFHA	28 of 133
Most Recent Claim	Jun 2024 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 31 claims Hurricane Frances, Sep 2004 · 68 claims Hurricane Opal, Oct 1995 · 16 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20