8401 Rynes Cir, Navarre, FL 32566 Property Records

Santa Rosa County property record for 8401 Rynes Cir, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,745 sqft · built 2005
Lot Size	0.257 acres (11,195 sqft)
Owner	Individual Name on Record
Last Sale	$118,000 (Jun 2011)
Tax Bill	$2,654 (2024)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-2S-26-3405-00000-0100`

Property Details

APN / Parcel Number

Primary APN	`08-2S-26-3405-00000-0100`
Alternative APN	`S262083405000000100`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,745 sqft Living Area
Gross Area	2,650 sqft
1st Floor Area	1,745 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,195 sqft (0.257 acres)
Lot Dimensions	157 ft deep x 61 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	75 sqft
Patio Area	120 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	8401 RYNES CIR
City	NAVARRE
State	FL
Zip	32566-9384
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1M
Legal Description	RIVER OAKS LOT 10 AS DES IN OR 3190 PG 604
Legal Range	26W
Legal Township	2S
Legal Section	08
Legal Subdivision	RIVER OAKS
Legal Lot Number	10
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1308
Census Tract	10802

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	Individual Name on Record
Mailing Address	8401 RYNES CIR, NAVARRE, FL 32566-9384
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2011 · Amount on Record
Deed Sale	Jun 10, 2011 · Amount on Record
Prior Sale	Dec 8, 2010 · Amount on Record
Deed Document Number	201120330
Deed Book / Page	3062 / 448
Last Transfer Date	Sep 25, 2012
Transfer Doc	0031900604
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	8401 RYNES CIR, NAVARRE, FL 32566-9384
Document Number	0039791282
Instrument Date	Jul 10, 2020
Transaction Type	Mortgage
Record Updated	Aug 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8401 RYNES CIR NAVARRE FL 325669384, NAVARRE, FL 32566-9384

Mortgage

Document Number	0039791282
Date	Jul 22, 2020
Book Page	003979/001282
Instrument	36329

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 21, 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		$224,242 (+1.87%) Land $39,900 Building $184,342	$224,242 (+1.87%) Land $39,900 Building $184,342
2024	$2,654.00 (+131.79%)	$220,130 (+75.89%) Land $39,900 Building $180,230	$220,130 (+1.47%) Land $39,900 Building $180,230
2023	$1,145.00 (+3.53%) Homeowner's exemption	$125,149 (+3%)	$216,933 (+6.65%) Land $37,800 Building $179,133
2022	$1,106.00 Homeowner's exemption	$121,504	$203,407 Land $28,800 Building $174,607

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 198 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	198 in force
Nearby Flood Claims	133 (1995–2024)
Claims Outside the SFHA	28 of 133
Most Recent Claim	Jun 2024 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 31 claims Hurricane Frances, Sep 2004 · 68 claims Hurricane Opal, Oct 1995 · 16 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

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

Wildfire Risk	High above 72% of the US · above 56% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 108 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 · Fiber in parts of the area	1,000 / 50