7354 Spinnaker Ct, Navarre, FL 32566 Property Records

Santa Rosa County property record for 7354 Spinnaker Ct, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,988 sqft · built 2020
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$1,450,000 (Sep 2022)
Tax Bill	$12,114 (2024)
Deeds & Mortgages	Sep 2022 Assignment Feb 2019 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`28-2S-26-9250-00000-0200`

Property Details

APN / Parcel Number

Primary APN	`28-2S-26-9250-00000-0200`
Alternative APN	`S262289250000000200`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,988 sqft Living Area
Gross Area	3,812 sqft
1st Floor Area	1,100 sqft
Upper Floors Area	888 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	91 ft deep x 75 ft wide
View / Lot	Canal
Garage Type	Attached
Garage Area	868 sqft
Porch	Open Porch
Porch Area	580 sqft
Deck Area	232 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7354 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 20 AS DES IN OR 4323 PG 63
Legal Range	26W
Legal Township	2S
Legal Section	28
Legal Subdivision	SAILMAKER COVE
Legal Lot Number	20
Jurisdiction	SANTA ROSA FL
Township / Civil Division	NAVARRE BEACH
Census Block Group	2
Census Block	2006
Census Tract	10825

Owner

7354 Spinnaker Ct is owned by an individual who bought it in September 2022.

Source: Santa Rosa County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	622 APACHE TRL, WOODSTOCK, GA 30189-5115
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2022	Assignment of Lease, Transfer ATTORNEY ONLY, ATTORNEY
Feb 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Feb 8, 2019	Deed of Trust, Mortgage · Construction Mortgage REGIONS BANK
Apr 24, 2020	Deed of Trust, Mortgage PRIME LNDG
Apr 13, 2017	Grant Deed, Transfer · Conventional Mortgage SMARTBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2022 · Amount on File
Deed Sale	Sep 2, 2022 · Amount on File
Prior Sale	Apr 1, 2017 · Amount on File
Deed Document Number	202251290
Deed Book / Page	4323 / 63
Prior Transfer Date	Dec 16, 2009
Prior Transfer Doc	0029480313
Record Updated	Jun 8, 2026

September 2022: Assignment of Lease, Transfer

Document Type	Assignment of Lease
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 2, 2022
Property Address	7354 SPINNAKER CT, NAVARRE, FL 32566-7059
Document Number	0043230063
Book / Page	4323 / 63
Map Reference	MB F PG 51
Instrument Date	Sep 1, 2022
Instrument	202251290
Transaction Type	Transfer
Record Updated	Mar 6, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$10,150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	500 FORT PICKENS RD, PENSACOLA BEACH, FL 32561-2016

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	622 APACHE TRL, WOODSTOCK, GA 30189-5115

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	7354 SPINNAKER CT, NAVARRE, FL 32566-7059
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038010850
Date	Feb 4, 2019
Book Page	3801/0850
Instrument	201904228

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2049

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	7354 SPINNAKER CT, NAVARRE, FL 32566-7059
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038021066
Date	Feb 8, 2019
Book Page	3802/1066
Instrument	201904960

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	7354 SPINNAKER CT, NAVARRE, FL 32566-7059
Document Number	0039450036
Instrument Date	Apr 24, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7354 SPINNAKER CT NAVARRE FL 325667059, NAVARRE, FL 32566-7059

Mortgage

Document Number	0039450036
Date	Apr 30, 2020
Book Page	003945/000036
Instrument	20329

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 29, 2050

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 13, 2017
Property Address	7354 SPINNAKER CT, NAVARRE, FL 32566-7059
Document Number	0036141522
Book / Page	003614 / 001522
Instrument Date	Apr 5, 2017
Instrument	14282
Transaction Type	Transfer
Record Updated	May 9, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,172.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1549 VIA DE LUNA DR PENSACOLA BEACH FL 325612334, PENSACOLA BEACH, FL 32561-2334

Mortgage

Document Number	36141526
Date	Apr 13, 2017
Book Page	003614/001526
Instrument	14283

Lender

Name	SMARTBANK
Type	Bank
Address	PIGEON FORGE, TN 37868-1910

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 12, 2032

Interest

Rate Type	Adjustable Rate
Rate	4.5%

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		$1,098,005 (+7.89%) Land $500,000 Building $598,005	$1,098,005 (+7.89%) Land $500,000 Building $598,005
2024	$12,114.00 (-0.16%)	$1,017,755 (+1.17%) Land $450,000 Building $567,755	$1,017,755 (+1.17%) Land $450,000 Building $567,755
2023	$12,133.00 (+120.52%) Homeowner's exemption	$1,005,973 (+115.73%) Land $450,000 Building $555,973	$1,005,973 (+19.22%) Land $450,000 Building $555,973
2022	$5,502.00 Homeowner's exemption	$466,312	$843,800 Land $425,000 Building $418,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 7354 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 7354 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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