7352 Spinnaker Ct, Navarre, FL 32566 Property Records

Santa Rosa County property record for 7352 Spinnaker Ct, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,876 sqft · built 2006
Lot Size	0.131 acres (5,706 sqft)
Owner	Individual Name on File
Last Sale	$1,800,000 (Oct 2022)
Tax Bill	$17,974 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Aug 2006 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`28-2S-26-9250-00000-0190`

Property Details

APN / Parcel Number

Primary APN	`28-2S-26-9250-00000-0190`
Alternative APN	`S262289250000000190`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	3 Stories
Building Area	2,876 sqft Living Area
Gross Area	5,538 sqft
1st Floor Area	1,504 sqft
Upper Floors Area	1,372 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2016
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,706 sqft (0.131 acres)
Lot Dimensions	122 ft deep x 55 ft wide
View / Lot	Canal
Garage Type	Attached
Garage Area	1,504 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	854 sqft
Deck Area	304 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7352 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 19 AS DES IN OR 4340 PG 939
Legal Range	26W
Legal Township	2S
Legal Section	28
Legal Subdivision	SAILMAKER COVE
Legal Lot Number	19
Jurisdiction	SANTA ROSA FL
Township / Civil Division	NAVARRE BEACH
Census Block Group	2
Census Block	2006
Census Tract	10825

Owner

7352 Spinnaker Ct is owned by an individual who bought it in October 2022.

Source: Santa Rosa County records, as of April 28, 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	Individual Name on File
Mailing Address	18 GILBERT LN, WATERTOWN, CT 06795-2721
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2022	Lease, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 24, 2006	Deed of Trust, Mortgage · Line of Credit WASHINGTON MUTUAL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2022 · Amount on File
Deed Sale	Oct 31, 2022 · Amount on File
Deed Document Number	202261444
Deed Book / Page	4340 / 939
Record Updated	Oct 29, 2026

October 2022: Lease, Transfer

Document Type	Lease
Jurisdiction	SANTA ROSA FL
Recording Date	Oct 31, 2022
Property Address	7352 SPINNAKER CT, NAVARRE, FL 32566-7059
Document Number	0043400939
Book / Page	4340 / 939
Map Reference	MB F PG 51
Instrument Date	Oct 28, 2022
Instrument	202261444
Transaction Type	Transfer
Record Updated	Nov 21, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4517 SAILORS COVE CT, 4517, GULF BREEZE, FL 32563-9368

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 GILBERT LN, WATERTOWN, CT 06795-2721

Mortgage

Document Number	0043400942
Date	Oct 31, 2022
Book Page	4340/942
Instrument	202261445

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

August 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	7352 SPINNAKER CT, NAVARRE, FL 32566-7059
Document Number	0036010329
Instrument Date	Aug 24, 2006
Transaction Type	Mortgage
Record Updated	Aug 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7352 SPINNAKER CT NAVARRE FL 325667059, NAVARRE, FL 32566-7059

Mortgage

Document Number	0036010329
Date	Feb 23, 2017
Book Page	003601/000329
Instrument	7149

Lender

Name	WASHINGTON MUTUAL BK
Type	Bank
Address	HENDERSON, NV 89014

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Feb 22, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 7352 Spinnaker Ct was $17,974, up 7.7% from the year before.

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	$17,974.00 (+7.65%)	$1,530,912 (+7.77%) Land $500,000 Building $1,030,912	$1,530,912 (+7.77%) Land $500,000 Building $1,030,912
2024	$16,696.00 (+1.28%)	$1,420,582 (+2.77%) Land $450,000 Building $970,582	$1,420,582 (+2.77%) Land $450,000 Building $970,582
2023	$16,485.00 (+51.17%)	$1,382,253 (+33.92%) Land $450,000 Building $932,253	$1,382,253 (+33.92%) Land $450,000 Building $932,253
2022	$10,905.00	$1,032,146	$1,032,146 Land $425,000 Building $607,146

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

Flood

FEMA maps place 7352 Spinnaker Ct in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

The area around 7352 Spinnaker Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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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