8517 Laredo St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 8517 Laredo St, Navarre, FL 32566

Property Summary

Property Type	Duplex
Details	6 bd · 4 ba · 3,410 sqft · built 2004
Lot Size	0.226 acres (9,888 sqft)
Owner	Individual Name on File
Last Sale	$365,000 (May 2021)
Tax Bill	$3,672 (2024)
Deeds & Mortgages	May 2021 Sale & Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-2S-26-2740-00900-0110`

Property Details

APN / Parcel Number

Primary APN	`21-2S-26-2740-00900-0110`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Units	2 Units
Stories	1 Story
Building Area	3,410 sqft Total Area
Gross Area	4,604 sqft
1st Floor Area	2,880 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2014
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	9,888 sqft (0.226 acres)
Lot Dimensions	1,100 ft deep x 900 ft wide
Garage Area	732 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	236 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	212S262740009000110
Street Address	8517 LAREDO ST
City	NAVARRE
State	FL
Zip	32566-1021
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2M
Legal Description	NAVARRE 1ST ADD LOT 11 BLK 9 SUBJECT TO GULF POWER CO ESMT IN OR 2882 PG 976 TOG WITH AN INGRESS & EGRESS EASEMENT LESS THAT
Legal Range	26W
Legal Township	02S
Legal Section	21
Legal Subdivision	WEST
Legal Block	9
Legal Lot Number	1,11
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	3
Census Block	3010
Census Tract	10827

Owner

8517 Laredo St, a duplex, is owned and occupied by an individual who bought it in May 2021.

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

Owner of Record	Individual Name on File
Mailing Address	8517 LAREDO ST, NAVARRE, FL 32566-1021
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
May 12, 2021	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE ONE OF THE SOUTH INC
Sep 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2021 · Amount on File
Deed Sale	May 12, 2021 · Amount on File
Prior Sale	Apr 30, 2012 · Amount on File
Deed Document Number	202131643
Deed Book / Page	4117 / 571
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 12, 2021
Property Address	8517 LAREDO ST, NAVARRE, FL 32566-1021
Document Number	0041170571
Book / Page	4117 / 571
Map Reference	MB B PG 169
Instrument Date	Apr 30, 2021
Instrument	202131643
Transaction Type	Transfer
Record Updated	Apr 16, 2024
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,555.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2734 JEWELL RD, NAVARRE, FL 32566-7900

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 CENTRAL PARK SQ # 164, 164, LOS ALAMOS, NM 87544-4020

Mortgage

Document Number	0004117574
Date	May 12, 2021
Instrument	4117/574

Lender

Name	MORTGAGE ONE OF THE SOUTH INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	8517 LAREDO ST, NAVARRE, FL 32566-1021
Document Number	0040010978
Instrument Date	Sep 4, 2020
Transaction Type	Mortgage
Record Updated	Oct 15, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	211 BONMAFIEID DR HERMITAGE TN 37076, HERMITAGE, TN 37076

Mortgage

Document Number	0040010978
Date	Sep 9, 2020
Book Page	004001/000978
Instrument	46556

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 8, 2050

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	$3,672.00 (+2.28%) Homeowner's exemption	$325,927 (+2.93%)	$351,802 (+2.96%) Land $74,250 Building $277,552
2023	$3,590.00 (+4.33%) Homeowner's exemption	$316,638 (+4.55%)	$341,699 (+12.82%) Land $74,250 Building $267,449
2022	$3,441.00 Homeowner's exemption	$302,859	$302,859 Land $44,550 Building $258,309

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

Flood

FEMA maps place 8517 Laredo St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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 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

Wildfire risk around 8517 Laredo St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% 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 273 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 · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cox Communications.

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