Santa Rosa County property record for 7260 Reef St, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,325 sqft · built 2018 |
| Lot Size | 0.458 acres (19,994 sqft) |
| Owner | Individual Name on File |
| Last Sale | $314,400 (Feb 2018) |
| Tax Bill | $3,930 (2024) |
| Deeds & Mortgages | Feb 2022 Mortgage Feb 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-2S-26-1920-16400-0020 |
| Primary APN | 18-2S-26-1920-16400-0020 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,325 sqft Heated Area |
| Gross Area | 2,974 sqft |
| 1st Floor Area | 2,745 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| 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 | 229 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 182S261920164000020 |
|---|---|
| Street Address | 7260 REEF ST |
| City | NAVARRE |
| State | FL |
| Zip | 32566-8787 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HOLLEY BY THE SEA LOT 2 BLK 164 AS DES IN OR 2687 PG 1129 & IN OR 2847 PG 321 |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 18 |
| Legal Subdivision | BY THE SEA |
| Legal Block | 164 |
| Legal Lot Number | 2 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 10822 |
7260 Reef St is owned and occupied by an individual who bought it in February 2018.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2116 HOWARD COWPER DR, CLOVIS, NM 88101-8652 |
| 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 |
|---|---|
| Feb 2, 2022 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Feb 21, 2018 | Warranty Deed, Subdivision Related Transfer · VA Mortgage SHELTER MORTGAGE COMPANY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 21, 2018 · Amount on File |
| Deed Sale | Feb 21, 2018 · Amount on File |
| Prior Sale | Nov 19, 2004 · Amount on File |
| Deed Document Number | 201806611 |
| Deed Book / Page | 3703 / 0945 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 7260 REEF RD, NAVARRE, FL 32566-8787 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0042401541 |
|---|---|
| Date | Feb 2, 2022 |
| Book Page | 4240/1541 |
| Instrument | 202206173 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Feb 21, 2018 |
| Property Address | 7260 REEF RD, NAVARRE, FL 32566-8787 |
| Document Number | 0037030945 |
| Book / Page | 3703 / 0945 |
| Map Reference | MB B PG155 |
| Instrument Date | Feb 16, 2018 |
| Instrument | 201806611 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | HB TITLE INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,200.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2293 W EAU GALLIE BLVD, 2293, MELBOURNE, FL 32935-3184 |
| Name | Verified Name |
|---|---|
| Address | 7260 REEF RD, NAVARRE, FL 32566-8787 |
| Document Number | 0201806612 |
|---|---|
| Date | Feb 21, 2018 |
| Instrument | 201806612 |
| Name | SHELTER MORTGAGE COMPANY LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 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 | $3,930.00 (+1.97%) Homeowner's exemption | $366,537 (+3%) | $405,715 (+2.76%) Land $75,000 Building $330,715 |
| 2023 | $3,854.00 (+2.47%) Homeowner's exemption | $355,861 (+3%) | $394,826 (+4.24%) Land $67,500 Building $327,326 |
| 2022 | $3,761.00 Homeowner's exemption | $345,496 | $378,773 Land $63,000 Building $315,773 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7260 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 |
|
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 7260 Reef St is moderate, ranking above 47% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · lower than 82% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% 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 189 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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