8177 E Bay Blvd, Navarre, FL 32566 Property Records

Santa Rosa County property record for 8177 E Bay Blvd, Navarre, FL 32566

Property Summary

Property Type	Gym, Health Spa
Details	1 bd · 2 ba · 2,790 sqft · built 1994
Lot Size	0.459 acres (19,994 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Aug 2024)
Tax Bill	$2,816 (2024)
Deeds & Mortgages	Sep 2018 Sale & Mortgage Jun 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`08-2S-26-0000-00443-0000`

Property Details

APN / Parcel Number

Primary APN	`08-2S-26-0000-00443-0000`
Alternative APN	`S262080000004430000`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Total Rooms	4 Rooms
Units	2 Units
Stories	1 Story
Building Area	2,790 sqft Gross Area
1st Floor Area	2,400 sqft
Flooring	Tile

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2009
Exterior Material	Wood
Construction Type	Steel Frame
Roof Type	Sawtooth
Roof Material	Metal
Lot Area	19,994 sqft (0.459 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Patio Area	390 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	8177 E BAY BLVD
City	NAVARRE
State	FL
Zip	32566-8954
Property Category	Commercial
Property Type	Commercial > Retail > Gym, Health Spa
Local Zoning Code	HCD
Legal Description	DESCRIPTION UPDATED FOR 2024 COM AT THE NW CORNER OF S2 OF SETION 8 TOWNSHIP 2 SOUTH RANGE 26 WEST THN S ON W SEC LN 50 FT TO S R/W OF SRD 399 THN E ALONG R/W 304.19 FT TO E R/W OF AVENIDA DE SOL THN CONT E 660 FT TO POB THN 90* RT 200 FT TO N LN O
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	2
Census Block	2003
Census Tract	10826

Owner

Source: Santa Rosa County records, as of December 8, 2025

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	1366 HARVARD DR, GULF BREEZE, FL 32563-4927
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2018	Warranty Deed, Transfer · Commercial Mortgage COMPASS BANK
Jun 2, 2017	Loan Modification, Mortgage PEN AIR FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2024 · Amount on Record
Deed Sale	Aug 1, 2024 · Amount on Record
Prior Sale	Sep 17, 2018 · Amount on Record
Deed Document Number	202434430
Deed Book / Page	4527 / 1507
Prior Transfer Date	Feb 21, 2007
Prior Transfer Doc	0027020569
Record Updated	Jun 8, 2026

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 17, 2018
Property Address	8177 E BAY BLVD, NAVARRE, FL 32566-8954
Document Number	0037661102
Book / Page	3766 / 1102
Instrument Date	Sep 14, 2018
Instrument	201839885
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8177 E BAY BLVD, 8177, NAVARRE, FL 32566-8954

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5383 SOUNDSIDE DR, GULF BREEZE, FL 32563-9530

Mortgage

Document Number	0037661105
Date	Sep 17, 2018
Book Page	3766/1105
Instrument	201839886

Lender

Name	COMPASS BANK
Type	Bank
Address	PENSACOLA, FL 32503

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 14, 2033

June 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA ROSA FL
Property Address	8177 E BAY BLVD, NAVARRE, FL 32566-8954
Document Number	0036301842
Book / Page	003630 / 001842
Instrument Date	Jun 2, 2017
Transaction Type	Mortgage
Record Updated	Jun 22, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2936 SHEARWATER DR NAVARRE FL 325669047, NAVARRE, FL 32566-9047

Mortgage

Document Number	0036301842
Date	Jun 6, 2017
Book Page	003630/001842
Instrument	22746

Lender

Name	PEN AIR FCU
Type	Credit Union
Address	PENSACOLA, FL 32514

Agreement

Amount	Amount Recorded

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		$284,615 (+32.85%) Land $87,500 Building $197,115	$284,615 (+32.85%) Land $87,500 Building $197,115
2024	$2,816.00 (+6.99%)	$214,245 (+7.26%) Land $87,500 Building $126,745	$214,245 (+7.26%) Land $87,500 Building $126,745
2023	$2,632.00 (+4.24%)	$199,750 (+0.48%) Land $70,000 Building $129,750	$199,750 (+0.48%) Land $70,000 Building $129,750
2022	$2,525.00	$198,802	$198,802 Land $70,000 Building $128,802

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 48 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	48 in force
Nearby Flood Claims	2 (2021–2023)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 2023 · rainfall accumulation

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 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 168 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
AT&T Fiber · DSL	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50

May also be available: Verizon.

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