8177 Torres St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 8177 Torres St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,324 sqft · built 2004
Lot Size	0.458 acres (19,994 sqft)
Owner	Individual Name on File
Last Sale	$262,000 (Aug 2021)
Tax Bill	$150 (2024)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-2S-26-2750-05700-0080`

Property Details

APN / Parcel Number

Primary APN	`17-2S-26-2750-05700-0080`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,324 sqft Heated Area
Gross Area	2,177 sqft
1st Floor Area	1,777 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
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	453 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	256 sqft
Patio Area	144 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	172S262750057000080
Street Address	8177 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 8 BLK 57 AS DES IN OR 4162 PG 295
Legal Range	26W
Legal Township	02S
Legal Section	17
Legal Subdivision	NAVARRE 2ND ADD
Legal Block	57
Legal Lot Number	8
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1021
Census Tract	10825

Owner

8177 Torres St is owned and occupied by an individual who bought it in August 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	8177 TORRES ST, NAVARRE, FL 32566-9174
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2021 · Amount on File
Deed Sale	Aug 11, 2021 · Amount on File
Prior Sale	Jun 30, 2009 · Amount on File
Deed Document Number	0004162295
Deed Book / Page	4162 / 295
Record Updated	Jun 8, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 11, 2021
Property Address	8177 TORRES ST, NAVARRE, FL 32566-9174
Document Number	0041620295
Book / Page	4162 / 295
Map Reference	MB C PG 31
Instrument Date	Aug 11, 2021
Instrument	202154059
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	ALLURE TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,834.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22320 BOGIE ST, 22320, TEHACHAPI, CA 93561-8205

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 7TH AVE UNIT 125, 125, SHALIMAR, FL 32579-1761

Mortgage

Document Number	4162297
Date	Aug 11, 2021
Instrument	4162/297

Lender

Name	HOMETOWN LENDERS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

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	$150.00 (-93.9%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$255,076 (+4.56%) Land $71,400 Building $183,676	$255,076 (+4.56%) Land $71,400 Building $183,676
2023	$2,461.00 (-6.07%)	$243,957 (+14.5%) Land $63,000 Building $180,957	$243,957 (+14.5%) Land $63,000 Building $180,957
2022	$2,620.00	$213,071	$213,071 Land $52,500 Building $160,571

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

Flood

FEMA maps place 8177 Torres St in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 1995.

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 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	Hurricane Sally, Sep 2020 · 8 claims Hurricane Frances, Sep 2004 · 3 claims

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 8177 Torres St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% 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 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