7534 Duval St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 7534 Duval St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,107 sqft · built 2005
Lot Size	0.458 acres (19,950 sqft)
Owner	2 Individual Names on Record
Last Sale	$259,900 (Mar 2019)
Tax Bill	$181 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18-2S-26-1920-21700-0090`

Property Details

APN / Parcel Number

Primary APN	`18-2S-26-1920-21700-0090`
Alternative APN	`S262181920217000090`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,107 sqft Living Area
Gross Area	2,692 sqft
1st Floor Area	2,107 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	19,950 sqft (0.458 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	45 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7534 DUVAL ST
City	NAVARRE
State	FL
Zip	32566-7866
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HOLLEY BY THE SEA LOT 9 BLK 217 AS DES IN OR 3813 PG 1268
Legal Range	26W
Legal Township	2S
Legal Section	18
Legal Subdivision	HOLLEY SEA/1ST AMD
Legal Block	217
Legal Lot Number	9
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 September 29, 2026

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	7534 DUVAL ST, NAVARRE, FL 32566-7866
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2022	Deed of Trust, Mortgage · VA Mortgage MAGNOLIA BANK
Feb 24, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jan 21, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jan 2, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Mar 25, 2019	Warranty Deed, Transfer · VA Mortgage UNIVERSITY LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2019 · Amount on Record
Deed Sale	Mar 25, 2019 · Amount on Record
Prior Sale	Dec 20, 2006 · Amount on Record
Deed Document Number	201911342
Deed Book / Page	3813 / 1268
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	7534 DUVAL ST, NAVARRE, FL 32566-7866
Transaction Type	Mortgage
Record Updated	Dec 23, 2022
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7534 DUVAL ST, NAVARRE, FL 32566-7866

Mortgage

Document Number	0043471647
Date	Nov 29, 2022
Book Page	4347/1647
Instrument	202265507

Lender

Name	MAGNOLIA BANK
Type	Bank
Address	HODGENVILLE, KY 42748

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	7534 DUVAL ST, NAVARRE, FL 32566-7866
Transaction Type	Mortgage
Record Updated	Apr 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7534 DUVAL ST, NAVARRE, FL 32566-7866

Mortgage

Document Number	0040761580
Date	Feb 24, 2021
Book Page	4076/1580
Instrument	202112064

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	7534 DUVAL ST, NAVARRE, FL 32566-7866
Transaction Type	Mortgage
Record Updated	Mar 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7534 DUVAL ST, NAVARRE, FL 32566-7866

Mortgage

Document Number	0040591610
Date	Jan 21, 2021
Book Page	4059/1610
Instrument	202104140

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	7534 DUVAL ST, NAVARRE, FL 32566-7866
Document Number	0039070664
Instrument Date	Jan 2, 2020
Transaction Type	Mortgage
Record Updated	Mar 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7534 DUVAL ST NAVARRE FL 325667866, NAVARRE, FL 32566-7866

Mortgage

Document Number	0039070664
Date	Jan 8, 2020
Book Page	003907/000664
Instrument	1006

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 7, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 25, 2019
Property Address	7534 DUVAL ST, NAVARRE, FL 32566-7866
Document Number	0038131268
Book / Page	003813 / 001268
Instrument Date	Mar 20, 2019
Instrument	11342
Transaction Type	Transfer
Record Updated	May 6, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,819.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7534 DUVAL ST NAVARRE FL 325667866, NAVARRE, FL 32566-7866

Mortgage

Document Number	38131271
Date	Mar 25, 2019
Book Page	003813/001271
Instrument	11343

Lender

Name	UNIVERSITY LNDG
Address	SOUTHFIELD, MI 48034

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 24, 2049

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	$181.00 (+7.74%) Homeowner's exemption Veteran's exemption	$245,705 (+2.9%)	$338,927 (+2.76%) Land $75,000 Building $263,927
2024	$168.00 (+7.69%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$238,780 (+8.45%)	$329,814 (+7.84%) Land $75,000 Building $254,814
2023	$156.00 (+6.12%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed	$220,174 (+3%)	$305,842 (+8.17%) Land $65,000 Building $240,842
2022	$147.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed	$213,761	$282,736 Land $50,000 Building $232,736

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 58% of the US · lower than 68% of Florida
Wildfire Likelihood	0.2% 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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50

May also be available: LiveOak Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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