7236 Reef St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 7236 Reef St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,551 sqft · built 2003
Lot Size	0.458 acres (19,994 sqft)
Owner	2 Trust Names on File
Last Sale	$368,500 (Jun 2020)
Tax Bill	$4,914 (2024)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-2S-26-1920-16400-0050`

Property Details

APN / Parcel Number

Primary APN	`18-2S-26-1920-16400-0050`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,551 sqft Heated Area
Gross Area	3,898 sqft
1st Floor Area	3,219 sqft
Flooring	Carpet
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
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	668 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	343 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	182S261920164000050
Street Address	7236 REEF ST
City	NAVARRE
State	FL
Zip	32566-8787
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ENHNCD LIFE EST RESRVD IN: LOT 5 BLK 164 HOLLEY BY THE SEA AS DES IN OR 3964 PG 2072 & E-L/E RES IN OR 4501 PG 1753
Legal Range	26W
Legal Township	02S
Legal Section	18
Legal Subdivision	BY THE SEA
Legal Block	164
Legal Lot Number	5
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1011
Census Tract	10822

Owner

7236 Reef St is owner-occupied and held in a trust since May 2024.

Source: Santa Rosa County records, as of October 27, 2025

Owner of Record	2 Trust Names on File
Co-owner	Co-owner on File
Mailing Address	7236 REEF ST, NAVARRE, FL 32566-8787
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

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

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jun 18, 2020 · Amount on File
Deed Sale	Jun 18, 2020 · Amount on File
Prior Sale	Jun 18, 2020 · Amount on File
Deed Document Number	0039642072
Deed Book / Page	3964 / 2072
Last Transfer Date	May 14, 2024
Transfer Doc	0045011753
Record Updated	Jun 8, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 18, 2020
Property Address	7236 REEF RD, NAVARRE, FL 32566-8787
Document Number	0039642072
Book / Page	3964 / 2072
Map Reference	MB B PG 155-1-155-20
Instrument Date	Jun 17, 2020
Instrument	202029644
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	RELIABLE LAND TITLE CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,579.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10420 RAWLINGS DR, 10420, PENSACOLA, FL 32514-8303

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7236 REEF RD, NAVARRE, FL 32566-8787

Mortgage

Document Number	0039642073
Date	Jun 18, 2020
Instrument	3964/2073

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

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
2024	$4,914.00 (+2.61%)	$411,505 (+2.53%) Land $75,000 Building $336,505	$411,505 (+2.53%) Land $75,000 Building $336,505
2023	$4,789.00 (+5.93%)	$401,353 (+3.94%) Land $67,500 Building $333,853	$401,353 (+3.94%) Land $67,500 Building $333,853
2022	$4,521.00	$386,133	$386,133 Land $63,000 Building $323,133

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

Flood

FEMA maps place 7236 Reef St in Zone X, an area of minimal flood risk, within 100 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 100 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	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 7236 Reef St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 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

Violations Reported to EPA

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.

Internet Providers

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