Santa Rosa County property record for 8544 Laredo St, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,614 sqft · built 2020 |
| Lot Size | 0.228 acres (9,975 sqft) |
| Owner | Individual Name on File |
| Last Sale | $301,840 (Feb 2026) |
| Tax Bill | $3,447 (2024) |
| Deeds & Mortgages | Feb 2026 Sale Feb 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-2S-26-2740-00800-0300 |
| Primary APN | 21-2S-26-2740-00800-0300 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,614 sqft Heated Area |
| Gross Area | 2,224 sqft |
| 1st Floor Area | 2,002 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Lot Area | 9,975 sqft (0.228 acres) |
| Lot Dimensions | 2,000 ft deep x 500 ft wide |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 212S262740008000300 |
|---|---|
| Street Address | 8544 LAREDO ST |
| City | NAVARRE |
| State | FL |
| Zip | 32566-1022 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2M |
| Legal Description | *DESCRIPTION UPDATED FOR 2021* NAVARRE 1ST ADD E2 OF PLATTED LOT 30 ALSO DES AS: COM AT NW CORNER OF SECTION 21 TOWNSHIP 2 |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 21 |
| Legal Subdivision | WEST |
| Legal Block | 8 |
| Legal Lot Number | 30 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 10827 |
8544 Laredo St is owned by an individual who bought it in February 2026.
Source: Santa Rosa County records, as of February 25, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1496 SEASIDE CIR, NAVARRE, FL 32566-7061 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 4, 2026 | Warranty Deed, Transfer EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC |
| Feb 12, 2021 | Deed of Trust, Mortgage · VA Mortgage UNIVERSITY LENDING GROUP LLC |
| Feb 12, 2021 | Correction Deed RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP |
| Nov 10, 2020 | Warranty Deed, Transfer · VA Mortgage UNIVERSITY LENDING GROUP LLC |
| Mar 6, 2019 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 4, 2026 · Amount on File |
| Deed Sale | Feb 4, 2026 · Amount on File |
| Prior Sale | Nov 10, 2020 · Amount on File |
| Deed Document Number | 202605566 |
| Deed Book / Page | 4705 / 415 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Feb 4, 2026 |
| Property Address | 8544 LAREDO ST, NAVARRE, FL 32566-1022 |
| Document Number | 0047050415 |
| Book / Page | 4705 / 415 |
| Map Reference | MB B PG 169 |
| Instrument Date | Jan 28, 2026 |
| Instrument | 202605566 |
| Transaction Type | Transfer |
| Record Updated | Feb 26, 2026 |
| Title Company | EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $2,113.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9611 LITTLETON GRIST, SAN ANTONIO, TX 78254-2382 |
| Name | Verified Name |
|---|---|
| Address | 1496 SEASIDE CIR, NAVARRE, FL 32566-7061 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 8544 LAREDO ST, NAVARRE, FL 32566-1022 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2024 |
| Name | Verified Name |
|---|---|
| Address | PSC 9 BOX 5979, APO |
| Document Number | 0040710300 |
|---|---|
| Date | Feb 12, 2021 |
| Book Page | 4071/300 |
| Instrument | 202109453 |
| Name | UNIVERSITY LENDING GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | SOUTHFIELD, MI 48034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Dec 1, 2050 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Feb 12, 2021 |
| Property Address | 8544 LAREDO ST, NAVARRE, FL 32566-1022 |
| Document Number | 0040710298 |
| Book / Page | 4071 / 298 |
| Instrument Date | Feb 12, 2021 |
| Instrument | 202109452 |
| Record Updated | Dec 21, 2021 |
| Title Company | RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 5447 ABILENE CT, 5447, GULF BREEZE, FL 32563-9304 |
| Name | Verified Name |
|---|---|
| Address | 8544 LAREDO ST, NAVARRE, FL 32566-1022 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Nov 10, 2020 |
| Property Address | 8544 LAREDO ST, NAVARRE, FL 32566-1022 |
| Document Number | 0040271743 |
| Book / Page | 4027 / 1743 |
| Instrument Date | Oct 21, 2020 |
| Instrument | 202059878 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | RELIABLE LAND TITLE CORP |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,840.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5447 ABILENE CT, 5447, GULF BREEZE, FL 32563-9304 |
| Name | Verified Name |
|---|---|
| Address | 8544 LAREDO ST, NAVARRE, FL 32566-1022 |
| Document Number | 0040271745 |
|---|---|
| Date | Nov 10, 2020 |
| Instrument | 4027/1745 |
| Name | UNIVERSITY LENDING GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Mar 6, 2019 |
| Property Address | 8544 LAREDO ST, NAVARRE, FL 32566-1022 |
| Document Number | 0038081956 |
| Book / Page | 003808 / 001956 |
| Instrument Date | Mar 4, 2019 |
| Instrument | 8495 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $735.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 5453 ABILENE CT GULF BREEZE FL 325639304, GULF BREEZE, FL 32563-9304 |
Source: Santa Rosa County assessment roll, as of July 1, 2024
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $3,447.00 (+1.77%) | $289,843 (+0.49%) Land $67,500 Building $222,343 | $289,843 (+0.49%) Land $67,500 Building $222,343 |
| 2023 | $3,387.00 (+11.38%) | $288,438 (+15.79%) Land $67,500 Building $220,938 | $288,438 (+15.79%) Land $67,500 Building $220,938 |
| 2022 | $3,041.00 | $249,114 | $249,114 Land $40,500 Building $208,614 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8544 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 risk around 8544 Laredo St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 300 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 |
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