8282 Onich Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 8282 Onich Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,062 sqft · built 2004
Lot Size	0.328 acres (14,288 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (Sep 2020)
Tax Bill	$2,755 (2024)
Deeds & Mortgages	Mar 2022 Line of Credit Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-2S-26-1653-00B00-0130`

Property Details

APN / Parcel Number

Primary APN	`16-2S-26-1653-00B00-0130`
Alternative APN	`S26216165300B000130`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,062 sqft Living Area
Gross Area	2,736 sqft
1st Floor Area	2,062 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	14,288 sqft (0.328 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	78 sqft
Patio Area	196 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	8282 ONICH DR
City	NAVARRE
State	FL
Zip	32566-4148
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HAMPTON RIDGE ESTATES LOT 13 BLK B AS DES OR 3999 PG 988
Legal Range	26W
Legal Township	2S
Legal Section	16
Legal Subdivision	HAMPTON RIDGE EST
Legal Block	B
Legal Lot Number	13
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	2
Census Block	2016
Census Tract	10827

Owner

8282 Onich Dr is owned and occupied by two individuals who bought it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3301 BERKSHIRE RD NE, RIO RANCHO, NM 87144-1622
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

Date	Document
Mar 8, 2022	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Sep 2, 2020	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2020 · Amount on File
Deed Sale	Sep 2, 2020 · Amount on File
Prior Sale	Dec 9, 2014 · Amount on File
Deed Document Number	202045563
Deed Book / Page	3999 / 988
Prior Transfer Date	Aug 16, 2006
Prior Transfer Doc	0026460074
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	8282 ONICH DR, NAVARRE, FL 32566-4148
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8282 ONLCH DR, NAVARRE, FL 32566-4148

Mortgage

Document Number	0042551029
Date	Mar 8, 2022
Book Page	4255/1029
Instrument	202213814

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 16, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 2, 2020
Property Address	8282 ONICH DR, NAVARRE, FL 32566-4148
Document Number	0039990988
Book / Page	3999 / 988
Map Reference	MB H PG 4
Instrument Date	Jul 13, 2020
Instrument	202045563
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3015 KAEMPFER CIR, 3015, SUMTER, SC 29153-7476

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2107 SAGE RUN, SAN ANTONIO, TX 78253-5818

Mortgage

Document Number	0003999994
Date	Sep 2, 2020
Instrument	3999/994

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Aug 1, 2050

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		$273,998 (+2.9%)	$327,613 (+7.22%) Land $50,000 Building $277,613
2024	$2,755.00 (+8.51%) Homeowner's exemption Disabled Person's exemption	$266,276 (+10.55%)	$305,566 (+6.03%) Land $48,000 Building $257,566
2023	$2,539.00 (+3.72%) Homeowner's exemption	$240,871 (+3.5%)	$288,196 (+8.8%) Land $38,000 Building $250,196
2022	$2,448.00 Homeowner's exemption	$232,729	$264,896 Land $35,000 Building $229,896

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

Flood

FEMA maps place 8282 Onich Dr in Zone X, an area of minimal flood risk, though there have been 7 flood claims 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 117 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	117 in force
Nearby Flood Claims	7 (2014–2025)
Claims Outside the SFHA	7 of 7
Most Recent Claim	May 2025 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 4 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 2 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 8282 Onich Dr is moderate, ranking above 46% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.05% 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 321 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	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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