7783 Fenwick St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 7783 Fenwick St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,756 sqft · built 2006
Lot Size	0.523 acres (22,825 sqft)
Owner	Individual Name on File
Last Sale	$232,000 (Sep 2018)
Tax Bill	$3,484 (2024)
Deeds & Mortgages	Oct 2020 Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-2S-26-1920-23000-0270`

Property Details

APN / Parcel Number

Primary APN	`18-2S-26-1920-23000-0270`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,756 sqft Heated Area
Gross Area	2,768 sqft
1st Floor Area	2,176 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	22,825 sqft (0.523 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	16 sqft
Deck Area	384 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	182S261920230000270
Street Address	7783 FENWICK ST
City	NAVARRE
State	FL
Zip	32566-2701
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HOLLEY BY THE SEA LOT 27 BLK 230 AS DES IN OR 2866 PG 1084 & IN OR 3764 PG 1337
Legal Range	26W
Legal Township	02S
Legal Section	18
Legal Subdivision	BY THE SEA
Legal Block	230
Legal Lot Number	27
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1018
Census Tract	10826

Owner

7783 Fenwick St is owned and occupied by an individual who bought it in September 2018.

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

Owner of Record	Individual Name on File
Mailing Address	7785 RIVER LANDING DR, MILTON, FL 32583-8606
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 5, 2020	Deed of Trust, Mortgage · VA Mortgage CENTENNIAL BANK
Sep 11, 2018	Warranty Deed, Transfer · VA Mortgage CENTENNIAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2018 · Amount on File
Deed Sale	Sep 11, 2018 · Amount on File
Prior Sale	Nov 19, 2008 · Amount on File
Deed Document Number	201838819
Deed Book / Page	3764 / 1337
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	7783 FENWICK ST, NAVARRE, FL 32566-2701
Transaction Type	Mortgage
Record Updated	Jun 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7783 FENWICK ST, NAVARRE, FL 32566-2701

Mortgage

Document Number	0040100243
Date	Oct 5, 2020
Book Page	4010/243
Instrument	202050891

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 11, 2018
Property Address	7783 FENWICK ST, NAVARRE, FL 32566-2701
Document Number	0037641337
Book / Page	3764 / 1337
Map Reference	MB B PG155
Instrument Date	Sep 6, 2018
Instrument	201838819
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	MEAD LAW & TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,624.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7783 FENWICK ST, 7783, NAVARRE, FL 32566-2701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6985 FLINTWOOD ST, NAVARRE, FL 32566-6600

Mortgage

Document Number	0201838820
Date	Sep 11, 2018
Instrument	201838820

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

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	$3,484.00 (+3.6%)	$291,478 (+4.06%) Land $75,000 Building $216,478	$291,478 (+4.06%) Land $75,000 Building $216,478
2023	$3,363.00 (+8.98%)	$280,114 (+10.02%) Land $65,000 Building $215,114	$280,114 (+10.02%) Land $65,000 Building $215,114
2022	$3,086.00	$254,603	$254,603 Land $50,000 Building $204,603

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 7783 Fenwick St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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 43 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	43 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2014 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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 7783 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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