Santa Rosa County property record for 8188 Mercado St, Navarre, FL 32566 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.458 acres (19,994 sqft) |
| Owner | Individual Name on File |
| Last Sale | $499,000 (Nov 2025) |
| Tax Bill | $432 (2024) |
| Deeds & Mortgages | Nov 2025 Sale & Mortgage Jun 2025 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-2S-26-2750-04000-0170 |
| Primary APN | 17-2S-26-2750-04000-0170 |
|---|
| Lot Area | 19,994 sqft (0.458 acres) |
|---|---|
| Lot Dimensions | 2,000 ft deep x 1,000 ft wide |
| Account Number | 172S262750040000170 |
|---|---|
| Street Address | 8188 MERCADO ST |
| City | NAVARRE |
| State | FL |
| Zip | 32566-9241 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 17 BLK 40 NAVARRE 2ND ADD AS DES IN OR 4533 PG 1776 |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 17 |
| Legal Subdivision | NAVARRE 2ND ADD |
| Legal Block | 40 |
| Legal Lot Number | 17 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 10825 |
Source: Santa Rosa County records · APN 17-2S-26-2750-04000-0170
Assessment roll updated July 1, 2024 · Last verified December 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 8188 MERCADO ST, NAVARRE, FL 32566-9241 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 25, 2025 | Warranty Deed, Transfer · VA Mortgage UNIVERSITY BANK |
| Jun 12, 2025 | Warranty Deed, Construction Loan · Construction Mortgage WALRES CAPITAL LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 25, 2025 · Amount on Record |
| Deed Sale | Nov 25, 2025 · Amount on Record |
| Prior Sale | Jun 12, 2025 · Amount on Record |
| Deed Document Number | 202555299 |
| Deed Book / Page | 4682 / 1607 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Nov 25, 2025 |
| Property Address | 8188 MERCADO ST, NAVARRE, FL 32566-9241 |
| Document Number | 0046821607 |
| Book / Page | 4682 / 1607 |
| Map Reference | MB C PG 31 |
| Instrument Date | Nov 21, 2025 |
| Instrument | 202555299 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,493.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8668 NAVARRE PKWY, NAVARRE, FL 32566-2185 |
| Name | Verified Name |
|---|---|
| Address | 8188 MERCADO ST, NAVARRE, FL 32566-9241 |
| Document Number | 0046821609 |
|---|---|
| Date | Nov 25, 2025 |
| Instrument | 4682/1609 |
| Name | UNIVERSITY BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jun 12, 2025 |
| Property Address | 8188 MERCADO ST, NAVARRE, FL 32566-9241 |
| Document Number | 0046261432 |
| Book / Page | 4626 / 1432 |
| Map Reference | MB C PG 31 |
| Instrument Date | May 28, 2025 |
| Instrument | 202526995 |
| Transaction Type | Construction Loan |
| Record Updated | Mar 27, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $455.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8196 MERCADO ST, NAVARRE, FL 32566-9241 |
| Name | Verified Name |
|---|---|
| Address | 8668 NAVARRE PKWY # 158, NAVARRE, FL 32566-2185 |
| Document Number | 0046261434 |
|---|---|
| Date | Jun 12, 2025 |
| Instrument | 4626/1434 |
| Name | WALRES CAPITAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Santa Rosa County records · Assessment roll updated July 1, 2024 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $432.00 (+10.49%) | $49,980 (+13.33%) Land $49,980 | $49,980 (+13.33%) Land $49,980 |
| 2023 | $391.00 (+53.33%) | $44,100 (+11%) Land $44,100 | $44,100 (+11%) Land $44,100 |
| 2022 | $255.00 | $21,000 | $21,000 Land $21,000 |
Source: FEMA National Flood Hazard Layer, Santa Rosa County (12113C), updated November 18, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121130108251, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 136 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 162 units insured 26 under condo master policies |
| Nearby Flood Claims | 15 (1995–2024) |
| Claims Outside the SFHA | 5 of 15 |
| Most Recent Claim | Jun 2024, rainfall accumulation |
| Claims By Storm |
|
| Wildfire Risk | Moderate above 61% of the US · above 34% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 763 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 165 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| LiveOak Fiber | Fiber | 5,000 / 5,000 |
| AT&T | Fiber | 5,000 / 5,000 |
| Mediacom Communications | Cable | 1,000 / 50 |
| Verizon | Fixed Wireless | 300 / 20 |
May also be available at this address: Mediacom Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.
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