Santa Rosa County property record for 8137 Torres St, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,448 sqft · built 2003 |
| Lot Size | 0.458 acres (19,994 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $375,000 (Aug 2022) |
| Tax Bill | $2,962 (2024) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Jul 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-2S-26-2750-05700-0030 |
| Primary APN | 17-2S-26-2750-05700-0030 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,448 sqft Heated Area |
| Gross Area | 2,208 sqft |
| 1st Floor Area | 1,848 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Lot Area | 19,994 sqft (0.458 acres) |
| Lot Dimensions | 2,000 ft deep x 1,000 ft wide |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 360 sqft |
| Patio Area | 168 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 172S262750057000030 |
|---|---|
| Street Address | 8137 TORRES ST |
| City | NAVARRE |
| State | FL |
| Zip | 32566-9174 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | NAVARRE 2ND ADD LOT 3 BLK 57 AS DES IN OR 4316 PG 1941 1/2 LESS 1/24 OIL, GAS, & MIN RIGHTS @ OR 2078 PG 793 |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 17 |
| Legal Subdivision | NAVARRE 2ND ADD |
| Legal Block | 57 |
| Legal Lot Number | 3 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 10825 |
Source: Santa Rosa County records, as of October 27, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 8137 TORRES ST, NAVARRE, FL 32566-9174 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 16, 2022 | Warranty Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP |
| Jul 2, 2021 | Warranty Deed, Transfer · Commercial Mortgage CIVIC FINANCIAL SERVICES LLC |
| Mar 31, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Mar 31, 2017 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 16, 2022 · Amount on Record |
| Deed Sale | Aug 16, 2022 · Amount on Record |
| Prior Sale | Jul 2, 2021 · Amount on Record |
| Deed Document Number | 202247883 |
| Deed Book / Page | 4316 / 1941 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Aug 16, 2022 |
| Property Address | 8137 TORRES ST, NAVARRE, FL 32566-9174 |
| Document Number | 0043161941 |
| Book / Page | 4316 / 1941 |
| Map Reference | MB C PG 31 |
| Instrument Date | Aug 15, 2022 |
| Instrument | 202247883 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,625.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6921 E BAY BLVD, 6921, NAVARRE, FL 32566-8903 |
| Name | Verified Name |
|---|---|
| Address | 2768 COUNTRY BREEZE BLVD, NAVARRE, FL 32566-7939 |
| Document Number | 0043161944 |
|---|---|
| Date | Aug 16, 2022 |
| Instrument | 4316/1944 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jul 2, 2021 |
| Property Address | 8137 TORRES ST, NAVARRE, FL 32566-9174 |
| Document Number | 0041431500 |
| Book / Page | 4143 / 1500 |
| Map Reference | MB C PG 31 |
| Instrument Date | Jul 1, 2021 |
| Instrument | 202144935 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,281.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8137 TORRES ST, 8137, NAVARRE, FL 32566-9174 |
| Name | Verified Name |
|---|---|
| Address | 6921 E BAY BLVD, NAVARRE, FL 32566-8903 |
| Document Number | 41431503 |
|---|---|
| Date | Jul 2, 2021 |
| Instrument | 4143/1503 |
| Name | CIVIC FINANCIAL SERVICES LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jul 1, 2022 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 8137 TORRES ST, NAVARRE, FL 32566-9174 |
| Document Number | 0036150685 |
| Instrument Date | Mar 31, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 9, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 8137 TORRES ST NAVARRE FL 325669174, NAVARRE, FL 32566-9174 |
| Document Number | 0036150685 |
|---|---|
| Date | Apr 17, 2017 |
| Book Page | 003615/000685 |
| Instrument | 14587 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410-8000 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 16, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 8137 TORRES ST, NAVARRE, FL 32566-9174 |
| Document Number | 0036200706 |
| Instrument Date | Mar 31, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 8137 TORRES ST NAVARRE FL 325669174, NAVARRE, FL 32566-9174 |
| Document Number | 0036200706 |
|---|---|
| Date | May 2, 2017 |
| Book Page | 003620/000706 |
| Instrument | 17015 |
| Name | WELLS FARGO BK |
|---|---|
| Address | FORT MILL, SC 29715 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
Source: Santa Rosa County assessment roll, as of July 1, 2024
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $2,962.00 (-0.8%) | $247,173 (+0.42%) Land $71,400 Building $175,773 | $247,173 (+0.42%) Land $71,400 Building $175,773 |
| 2023 | $2,986.00 (+13.02%) | $246,149 (+14.5%) Land $63,000 Building $183,149 | $246,149 (+14.5%) Land $63,000 Building $183,149 |
| 2022 | $2,642.00 | $214,971 | $214,971 Land $52,500 Building $162,471 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 136 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 162 units insured incl. 26 condo units |
| Nearby Flood Claims | 15 (1995–2024) |
| Claims Outside the SFHA | 5 of 15 |
| Most Recent Claim | Jun 2024 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 264 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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