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7520 Duval St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 7520 Duval St, Navarre, FL 32566

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 3,568 sqft · built 2023
Lot Size0.534 acres (23,261 sqft)
Owner2 Individual Names on Record
Last Sale$58,000 (Aug 2020)
Tax Bill$382 (2025)
Deeds & MortgagesJul 2022 Mortgage
Aug 2020 Sale
Flood ZoneZone X (minimal risk)
APN18-2S-26-1920-21700-0110

Property Details

APN / Parcel Number

Primary APN18-2S-26-1920-21700-0110
Alternative APN
  • S262181920217000110

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area3,568 sqft Living Area
Gross Area5,430 sqft
1st Floor Area3,568 sqft
Upper Floors Area463 sqft
FlooringTile

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Exterior MaterialBrick
Construction TypeMasonry / Concrete Block
Roof MaterialWood Shingle
Lot Area23,261 sqft (0.534 acres)
Lot Dimensions198 ft deep x 116 ft wide
Garage TypeAttached
Garage Area804 sqft
PorchSlab

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address7520 DUVAL ST
CityNAVARRE
StateFL
Zip32566-7866
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionHOLLEY BY THE SEA LOT 11 BLK 217 AS DES IN OR 3995 PG 1786
Legal Range26W
Legal Township2S
Legal Section18
Legal SubdivisionHOLLEY SEA/1ST AMD
Legal Block217
Legal Lot Number11
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group2
Census Block2012
Census Tract10822

Owner

Source: Santa Rosa County records, as of July 13, 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 Record2 Individual Names on Record
Mailing Address7520 DUVAL ST, NAVARRE, FL 32566-7866
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 28, 2022Deed of Trust, Mortgage · VA Mortgage
UNIVERSITY LENDING GROUP LLC
Aug 26, 2020Warranty Deed, Transfer
OLD SOUTH LAND TITLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 26, 2020 · Amount on Record
Deed SaleAug 26, 2020 · Amount on Record
Prior SaleOct 4, 2007 · Amount on Record
Deed Document Number202044032
Deed Book / Page3995 / 1786
Record UpdatedSep 20, 2026

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address7520 DUVAL ST, NAVARRE, FL 32566-7866
Transaction TypeMortgage
Record UpdatedApr 16, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address6913 SEA CRAB CIR, NAVARRE, FL 32566-7403

Mortgage

Document Number0043100972
DateJul 28, 2022
Book Page4310/972
Instrument202244446
Lender
NameUNIVERSITY LENDING GROUP LLC
TypeMortgage Company
AddressSOUTHFIELD, MI 48034
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2052

August 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateAug 26, 2020
Property AddressNAVARRE, FL 32566
Document Number0039951786
Book / Page003995 / 001786
Instrument DateAug 24, 2020
Instrument44032
Transaction TypeTransfer
Record UpdatedOct 2, 2020
Title CompanyOLD SOUTH LAND TITLE

Transaction

AmountAmount Recorded
Tax$406.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address6913 SEA CRAB CIR NAVARRE FL 325667403, NAVARRE, FL 32566-7403

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$382.00 (+7.3%) Homeowner's exemption Veteran's exemption$724,024 (+2.9%)$750,589 (+6.68%) Land $75,000 Building $675,589
2024$356.00 (-65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$703,619 (+982.49%) Land $75,000 Building $628,619$703,619 (+982.49%) Land $75,000 Building $628,619
2023$1,017.00 (+66.45%)$65,000 (+3%) Land $65,000$65,000 (+3%) Land $65,000
2022$611.00$50,000$50,000 Land $50,000

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 199 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies199 in force
Nearby Flood Claims2 (2004–2024)
Claims Outside the SFHA1 of 2
Most Recent ClaimSep 2024 · Hurricane Helene

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 RiskModerate
above 61% of the US · lower than 65% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
burnable vegetation

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 SystemHOLLEY-NAVARRE WATER SYSTEM
public/private · serves 47,793 people · EPA ID FL1570349
Water SourceGroundwater
Last State InspectionOct 2025
Lead6 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 101 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Mediacom Xtream
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20

May also be available: LiveOak Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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