7877 Fenwick St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 7877 Fenwick St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,010 sqft · built 2005
Lot Size	0.737 acres (32,147 sqft)
Owner	2 Owner Names on File
Last Sale	$342,500 (May 2006)
Tax Bill	$2,902 (2024)
Deeds & Mortgages	Jun 2021 Mortgage Mar 2020 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-2S-26-1920-23000-0150`

Property Details

APN / Parcel Number

Primary APN	`18-2S-26-1920-23000-0150`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,010 sqft Heated Area
Gross Area	4,577 sqft
1st Floor Area	3,499 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Material	Shingle
Lot Area	32,147 sqft (0.737 acres)
Garage Area	489 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	102 sqft
Patio Area	496 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	182S261920230000150
Street Address	7877 FENWICK ST
City	NAVARRE
State	FL
Zip	32566-2703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HOLLEY BY THE SEA LOT 15 BLK 230 AS DES IN OR 2599 PG 1767
Legal Range	26W
Legal Township	02S
Legal Section	18
Legal Subdivision	BY THE SEA
Legal Block	230
Legal Lot Number	15
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1019
Census Tract	10826

Owner

The current owner of 7877 Fenwick St bought it in May 2006.

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

Owner of Record	2 Owner Names on File
Mailing Address	7877 FENWICK ST, NAVARRE, FL 32566-2703
Occupancy	Owner Occupied

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
Jun 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 16, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2006 · Amount on File
Deed Sale	May 11, 2006 · Amount on File
Prior Sale	Jan 16, 2004 · Amount on File
Deed Document Number	200626412
Deed Book / Page	2599 / 1767
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	7877 FENWICK ST, NAVARRE, FL 32566-2703
Transaction Type	Mortgage
Record Updated	Jul 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041311240
Date	Jun 10, 2021
Book Page	4131/1240
Instrument	202139034

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	7877 FENWICK ST, NAVARRE, FL 32566-2703
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039290031
Date	Mar 16, 2020
Book Page	3929/31
Instrument	202012590

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 13, 2035

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	$2,902.00 (+2.36%) Homeowner's exemption	$269,737 (+3%)	$421,125 (+3.11%) Land $75,000 Building $346,125
2023	$2,835.00 (+2.79%) Homeowner's exemption	$261,881 (+3%)	$408,418 (+9.12%) Land $65,000 Building $343,418
2022	$2,758.00 Homeowner's exemption	$254,253	$374,299 Land $50,000 Building $324,299

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

Flood

FEMA maps place 7877 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 7877 Fenwick St is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% 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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