8514 Esplanade St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 8514 Esplanade St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,888 sqft · built 2024
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on Record
Last Sale	$439,000 (Jul 2026)
Tax Bill	$3,994 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2017 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21-2S-26-2710-01700-0150`

Property Details

APN / Parcel Number

Primary APN	`21-2S-26-2710-01700-0150`
Alternative APN	`S262212710017000150`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,888 sqft Living Area
Gross Area	2,503 sqft
1st Floor Area	1,888 sqft
Flooring	Wood

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	91 ft deep x 48 ft wide
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8514 ESPLANADE ST
City	NAVARRE
State	FL
Zip	32566-2135
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TC-1
Legal Description	NAVARRE S 91.02 FT OF E 48 FT OF LOT 15 BLK 17 BEING PARCEL D PER SURVEY & 2017 SEP REQ FORMERLY BEING LOT 15 BLK 17 AS DES IN OR 4561 PG 1388 (SEE OR 3489/241 REG TRUSTEE)
Legal Range	26W
Legal Township	2S
Legal Section	21
Legal Subdivision	NAVARRE
Legal Block	17
Legal Lot Number	15
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	3
Census Block	3023
Census Tract	10827

Owner

Source: Santa Rosa County records, as of August 24, 2026

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	8514 ESPLANADE ST, NAVARRE, FL 32566-2135
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC
Oct 3, 2017	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Oct 3, 2017	Quit Claim Deed, Transfer RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP
Apr 20, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2026 · Amount on Record
Deed Sale	Jul 23, 2026 · Amount on Record
Prior Sale	Nov 13, 2024 · Amount on Record
Deed Document Number	202637137
Deed Book / Page	4770 / 1009
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 23, 2026
Property Address	8514 ESPLANADE ST, NAVARRE, FL 32566-2135
Document Number	0000037137
Book / Page	4770 / 1009
Instrument Date	Jul 21, 2026
Instrument	202637137
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	ALLURE TITLE COMPANY, ALLURE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$310,373.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8514 ESPLANADE ST, NAVARRE, FL 32566-2135

Mortgage

Document Number	0000037138,
Date	Jul 23, 2026
Instrument	202637138

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Oct 3, 2017
Property Address	8514 ESPLANADE ST, NAVARRE, FL 32566-2135
Document Number	0036661174
Book / Page	003666 / 001174
Instrument Date	Oct 2, 2017
Instrument	41080
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,630.30
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1859 LUNETA ST NAVARRE FL 325661051, NAVARRE, FL 32566-1051

Mortgage

Document Number	36661175
Date	Oct 3, 2017
Book Page	003666/001175
Instrument	41081

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 2, 2047

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Oct 3, 2017
Property Address	8514 ESPLANADE ST, NAVARRE, FL 32566-2135
Document Number	0036661168
Book / Page	003666 / 001168
Instrument Date	Oct 2, 2017
Instrument	41076
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1804 PRADO ST NAVARRE FL 325661020, NAVARRE, FL 32566-1020

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 20, 2017
Property Address	8514 ESPLANADE ST, NAVARRE, FL 32566-2135
Document Number	0036170172
Book / Page	003617 / 000172
Instrument Date	Apr 19, 2017
Instrument	15399
Transaction Type	Transfer
Record Updated	Dec 5, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1804 PRADO ST NAVARRE FL 325661020, NAVARRE, FL 32566-1020

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	$3,994.00 (+678.56%)	$335,185 (+977.63%) Land $31,104 Building $304,081	$335,185 (+977.63%) Land $31,104 Building $304,081
2024	$513.00 (+38.65%)	$31,104 (-) Land $31,104	$31,104 (-) Land $31,104
2023	$370.00 (+8.5%)	$31,104 (+10.34%) Land $31,104	$31,104 (+10.34%) Land $31,104
2022	$341.00	$28,188	$28,188 Land $28,188

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 115 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	115 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2020 · Hurricane Sally

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	Not rated no burnable land within 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 34 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 · Fixed Wireless · DSL	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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