7531 Opal Ct, Navarre, FL 32566 Property Records

Santa Rosa County property record for 7531 Opal Ct, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,207 sqft · built 2001
Lot Size	0.457 acres (19,950 sqft)
Owner	2 Owner Names on Record
Last Sale	$171,400 (Mar 2001)
Tax Bill	$2,018 (2024)
Deeds & Mortgages	Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-2S-26-1920-21700-0130`

Property Details

APN / Parcel Number

Primary APN	`18-2S-26-1920-21700-0130`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,207 sqft Heated Area
Gross Area	2,869 sqft
1st Floor Area	2,697 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	19,950 sqft (0.457 acres)
Garage Area	490 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	198 sqft
Patio Area	91 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	182S261920217000130
Street Address	7531 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 13 BLK 217 AS DES IN OR 1887 PG 60
Legal Range	26W
Legal Township	02S
Legal Section	18
Legal Subdivision	BY THE SEA
Legal Block	217
Legal Lot Number	13
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	2
Census Block	2012
Census Tract	10822

Owner

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

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	2 Owner Names on Record
Mailing Address	7531 OPAL CT, NAVARRE, FL 32566-7881
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2001 · Amount on Record
Deed Sale	Mar 15, 2001 · Amount on Record
Prior Sale	Oct 17, 2000 · Amount on Record
Deed Document Number	0188700060
Deed Book / Page	01887 / 00060
Record Updated	Jun 8, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	7531 OPAL CT, NAVARRE, FL 32566-7881
Document Number	0036501715
Book / Page	003650 / 001715
Instrument Date	Aug 4, 2017
Transaction Type	Mortgage
Record Updated	Aug 31, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7531 OPAL CT NAVARRE FL 325667881, NAVARRE, FL 32566-7881

Mortgage

Document Number	0036501715
Date	Aug 9, 2017
Book Page	003650/001715
Instrument	32730

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 8, 2032

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	$2,018.00 (+4.56%) Homeowner's exemption	$199,546 (+4.75%)	$331,543 (+4.1%) Land $75,000 Building $256,543
2023	$1,930.00 (+3.43%) Homeowner's exemption	$190,493 (+3.44%)	$318,480 (+8.5%) Land $65,000 Building $253,480
2022	$1,866.00 Homeowner's exemption	$184,152	$293,531 Land $50,000 Building $243,531

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 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.

Wildfire

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.

Drinking Water

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

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 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