7344 Spinnaker Ct, Navarre, FL 32566 Property Records

Santa Rosa County property record for 7344 Spinnaker Ct, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,661 sqft · built 2019
Lot Size	0.139 acres (6,055 sqft)
Owner	Individual Name on Record
Last Sale	$1,115,000 (Jun 2023)
Tax Bill	$10,083 (2024)
Deeds & Mortgages	Jun 2023 Assignment Nov 2021 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`28-2S-26-9250-00000-0170`

Property Details

APN / Parcel Number

Primary APN	`28-2S-26-9250-00000-0170`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,661 sqft Heated Area
Gross Area	2,972 sqft
1st Floor Area	2,119 sqft
Upper Floors Area	555 sqft
Flooring	Ceramic Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2019
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Material	Metal
Lot Area	6,055 sqft (0.139 acres)
Lot Dimensions	800 ft deep x 760 ft wide
Garage Area	904 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	36 sqft
Deck Area	133 sqft
Patio Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	282S269250000000170
Street Address	7344 SPINNAKER CT
City	NAVARRE
State	FL
Zip	32566-7059
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NB-MD
Legal Description	SAILMAKER COVE LOT 17 AS DES IN OR 4406 PG 223
Legal Range	26W
Legal Township	02S
Legal Section	28
Legal Subdivision	SAILMAKER COVE
Legal Lot Number	17
Jurisdiction	SANTA ROSA FL
Township / Civil Division	NAVARRE BEACH
Census Block Group	2
Census Block	2006
Census Tract	10825

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3945 HIGHWAY A, MARQUAND, MO 63655-9138
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2023	Assignment of Lease, Transfer FIRST STATE COMMUNITY BANK
Nov 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage PROGRESS BANK & TRUST
Jun 5, 2018	Deed of Trust, Mortgage · Construction Mortgage FIRST FLORIDA BANK
Jul 22, 2019	Loan Modification, Mortgage · Conventional Mortgage FIRST FL BK
Aug 21, 2017	Grant Deed, Transfer · Conventional Mortgage FIRST FL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2023 · Amount on Record
Deed Sale	Jun 15, 2023 · Amount on Record
Prior Sale	Aug 11, 2006
Deed Document Number	0004406223
Deed Book / Page	4406 / 223
Last Transfer Date	Jun 16, 2023
Transfer Doc	0044060223
Record Updated	Jun 8, 2026

June 2023: Assignment of Lease, Transfer

Document Type	Assignment of Lease
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 16, 2023
Property Address	7344 SPINNAKER CT, NAVARRE, FL 32566-7059
Document Number	0044060223
Book / Page	4406 / 223
Map Reference	MB F PG 51
Instrument Date	Jun 15, 2023
Instrument	202326894
Transaction Type	Transfer
Record Updated	Jul 7, 2023
Title Company	EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,805.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2 HAWTHORN HL, LOUISVILLE, KY 40204-2442

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3945 HIGHWAY A, MARQUAND, MO 63655-9138

Mortgage

Document Number	0004406228
Date	Jun 16, 2023
Instrument	4406/228

Lender

Name	FIRST STATE COMMUNITY BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jun 15, 2043

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	7344 SPINNAKER CT, NAVARRE, FL 32566-7059
Transaction Type	Mortgage
Record Updated	Dec 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 HAWTHORE HILL, LOUISVILLE, KY 40204-2442

Mortgage

Document Number	0042020454
Date	Nov 2, 2021
Book Page	4202/454
Instrument	202173426

Lender

Name	PROGRESS BANK & TRUST
Type	Bank
Address	HUNTSVILLE, AL 35801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	7344 SPINNAKER CT, NAVARRE, FL 32566-7059
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037340573
Date	Jun 5, 2018
Book Page	3734/0573
Instrument	201822870

Lender

Name	FIRST FLORIDA BANK
Type	Bank
Address	DESTIN, FL 32541

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Jun 1, 2019
Change Frequency	Annually
Min Rate At Change	5.87%
Max Rate At Change	11.8%
Index	1-Year CMT
Max Rate	11.8%

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA ROSA FL
Property Address	7344 SPINNAKER CT, NAVARRE, FL 32566-7059
Document Number	0038550167
Instrument Date	Jul 22, 2019
Transaction Type	Mortgage
Record Updated	Oct 3, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7344 SPINNAKER CT NAVARRE FL 32566, NAVARRE, FL 32566

Mortgage

Document Number	0038550167
Date	Jul 31, 2019
Book Page	003855/000167
Instrument	33187

Lender

Name	FIRST FL BK
Type	Bank
Address	FLINT, MI 48501-2026

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2049

Interest

Rate Type	Fixed Rate
Rate	4.25%

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 21, 2017
Property Address	7344 SPINNAKER CT, NAVARRE, FL 32566-7059
Document Number	0036531532
Book / Page	003653 / 001532
Instrument Date	Aug 14, 2017
Instrument	34237
Transaction Type	Transfer
Record Updated	Sep 5, 2017
Title Company	RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$769.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	92 LAWNDALE CT ELIZABETHTOWN KY 427015381, ELIZABETHTOWN, KY 42701-5381

Mortgage

Document Number	36531533
Date	Aug 21, 2017
Book Page	003653/001533
Instrument	34238

Lender

Name	FIRST FL BK
Type	Bank
Address	DESTIN, FL 32541

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$10,083.00 (+38.43%)	$839,232 (+21.52%) Land $200,000 Building $639,232	$839,232 (+21.52%) Land $200,000 Building $639,232
2023	$7,284.00 (+9.9%)	$690,592 (+13.66%) Land $200,000 Building $490,592	$690,592 (+13.66%) Land $200,000 Building $490,592
2022	$6,628.00	$607,569	$607,569 Land $180,000 Building $427,569

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

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 734 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,678 units insured incl. 944 condo units
Nearby Flood Claims	217 (1995–2024)
Most Recent Claim	Jun 2024 · other causes
Claims by Event	Hurricane Sally, Sep 2020 · 122 claims Hurricane Dennis, Jul 2005 · 35 claims Hurricane Frances, Sep 2004 · 46 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	Not rated no burnable land within 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	NAVARRE BEACH WATER SYSTEM serves 6,166 people · EPA ID FL1570874
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	1 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 161 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50

May also be available: AT&T, Verizon.

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