7748 Fenwick St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 7748 Fenwick St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,569 sqft · built 2014
Lot Size	0.474 acres (20,647 sqft)
Owner	Individual Name on File
Last Sale	$535,000 (Nov 2025)
Tax Bill	$2,761 (2024)
Deeds & Mortgages	Apr 2022 Mortgage Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-2S-26-1920-22700-0170`

Property Details

APN / Parcel Number

Primary APN	`18-2S-26-1920-22700-0170`
Alternative APN	`S262181920227000170`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,569 sqft Living Area
Gross Area	3,343 sqft
1st Floor Area	2,569 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	20,647 sqft (0.474 acres)
Garage Type	Attached
Garage Area	578 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	196 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7748 FENWICK ST
City	NAVARRE
State	FL
Zip	32566-2700
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HOLLEY BY THE SEA LOT 17 BLK 227 AS DES IN OR 3375 PG 1565
Legal Range	26W
Legal Township	2S
Legal Section	18
Legal Subdivision	HOLLEY SEA/1ST AMD
Legal Block	227
Legal Lot Number	17
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	2
Census Block	2001
Census Tract	10821

Owner

7748 Fenwick St is owned and occupied by an individual who bought it in November 2025.

Source: Santa Rosa County records, as of December 18, 2025

Owner of Record	Individual Name on File
Mailing Address	7748 FENWICK ST, NAVARRE, FL 32566-2700
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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
Apr 19, 2022	Deed of Trust, Mortgage · VA Mortgage FOUNDATION MORTGAGE CORP
Nov 24, 2025	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 24, 2025 · Amount on File
Deed Sale	Nov 24, 2025 · Amount on File
Prior Sale	Sep 30, 2014 · Amount on File
Deed Document Number	202554985
Deed Book / Page	4682 / 202
Prior Transfer Date	Feb 25, 2005
Prior Transfer Doc	0024111013
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	7748 FENWICK ST, NAVARRE, FL 32566-2700
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7748 FENWICK ST, NAVARRE, FL 32566-2700

Mortgage

Document Number	0042730484
Date	Apr 19, 2022
Book Page	4273/484
Instrument	202223550

Lender

Name	FOUNDATION MORTGAGE CORP
Type	Mortgage Company
Address	MIAMI BEACH, FL 33139

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 24, 2025
Property Address	7748 FENWICK ST, NAVARRE, FL 32566-2700
Document Number	0046820202
Book / Page	4682 / 202
Map Reference	MB B PG 155
Instrument Date	Nov 17, 2025
Instrument	202554985
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	SOUTHLAND TITLE COMPANY, OLD SOUTH LAND TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,745.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8422 CAPE HORN DR, MILTON, FL 32583-2552

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7748 FENWICK ST, NAVARRE, FL 32566-2700
Investor	Possibly a Property Investor

Mortgage

Document Number	0004682206
Date	Nov 24, 2025
Instrument	4682/206

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

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		$274,332 (+2.9%)	$434,775 (+2.16%) Land $75,000 Building $359,775
2024	$2,761.00 (+2.37%) Homeowner's exemption Disabled Person's exemption	$266,601 (+3%)	$425,564 (+2.38%) Land $75,000 Building $350,564
2023	$2,697.00 (+2.82%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$258,836 (+3%)	$415,691 (+7.05%) Land $68,250 Building $347,441
2022	$2,623.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$251,297	$388,298 Land $52,500 Building $335,798

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 7748 Fenwick St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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 File median of 162 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	162 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Sep 2020 · Hurricane Sally

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

Wildfire risk around 7748 Fenwick St is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 61% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond 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	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 64 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	1,000 / 50

May also be available: LiveOak Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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