Santa Rosa County property record for 7523 Opal Ct, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,687 sqft · built 2017 |
| Lot Size | 0.546 acres (23,827 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $310,600 (Jul 2017) |
| Tax Bill | $241 (2024) |
| Deeds & Mortgages | May 2020 Mortgage Jul 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-2S-26-1920-21700-0120 |
| Primary APN | 18-2S-26-1920-21700-0120 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,687 sqft Heated Area |
| Gross Area | 3,686 sqft |
| 1st Floor Area | 3,287 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 23,827 sqft (0.546 acres) |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 399 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 182S261920217000120 |
|---|---|
| Street Address | 7523 OPAL CT |
| City | NAVARRE |
| State | FL |
| Zip | 32566-7881 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HOLLEY BY THE SEA LOT 12 BLK 217 AS DES IN OR 3644 PG 1821 |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 18 |
| Legal Subdivision | BY THE SEA |
| Legal Block | 217 |
| Legal Lot Number | 12 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 10822 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 7523 OPAL CT, NAVARRE, FL 32566-7881 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 20, 2020 | Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA |
| Jul 21, 2017 | Warranty Deed, Transfer · VA Mortgage UNIVERSITY LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 21, 2017 · Amount on Record |
| Deed Sale | Jul 21, 2017 · Amount on Record |
| Prior Sale | Jun 16, 2015 · Amount on Record |
| Deed Document Number | 201729778 |
| Deed Book / Page | 3644 / 1821 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 7523 OPAL CT, NAVARRE, FL 32566-7881 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0039530452 |
|---|---|
| Date | May 20, 2020 |
| Book Page | 3953/452 |
| Instrument | 202024055 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jul 21, 2017 |
| Property Address | 7523 OPAL CT, NAVARRE, FL 32566-7881 |
| Document Number | 0036441821 |
| Book / Page | 003644 / 001821 |
| Instrument Date | Jul 19, 2017 |
| Instrument | 29778 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2017 |
| Title Company | GUARANTEE TITLE/NORTHWEST FL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,174.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7523 OPAL CT NAVARRE FL 325667881, NAVARRE, FL 32566-7881 |
| Document Number | 36441823 |
|---|---|
| Date | Jul 21, 2017 |
| Book Page | 003644/001823 |
| Instrument | 29779 |
| Name | UNIVERSITY LNDG |
|---|---|
| Address | SOUTHFIELD, MI 48034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 20, 2047 |
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 | $241.00 (+7.59%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $295,750 (+3%) | $439,533 (+3.1%) Land $75,000 Building $364,533 |
| 2023 | $224.00 (+6.16%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $287,136 (+3%) | $426,336 (+9.16%) Land $65,000 Building $361,336 |
| 2022 | $211.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $278,773 | $390,559 Land $50,000 Building $340,559 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 199 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 199 in force |
| Nearby Flood Claims | 2 (2004–2024) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 55% of the US · lower than 73% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 255 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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