Santa Rosa County property record for 8548 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 | $360,000 (Feb 2023) |
| Tax Bill | $3,429 (2024) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage Feb 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-2S-26-2740-00800-0290 |
| Primary APN | 21-2S-26-2740-00800-0290 |
|---|
| 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 |
| Porch Area | 260 sqft |
| Deck Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 212S262740008000290 |
|---|---|
| Street Address | 8548 LAREDO ST |
| City | NAVARRE |
| State | FL |
| Zip | 32566-1022 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2M |
| Legal Description | NAVARRE 1ST ADD W2 OF LOT 29 BLK 8 DESC AS FOLLOWS: COM AT NW CORNER OF BLK 9 THN N89*47' 46E 739.8 FT THN N0*12'14W 60 FT TO |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 21 |
| Legal Subdivision | NAVARRE 1ST ADD |
| Legal Block | 8-9 |
| Legal Lot Number | 29 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 10827 |
8548 Laredo St is owned and occupied by an individual who bought it in February 2023.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 8548 LAREDO ST, NAVARRE, FL 32566-1022 |
| 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.
| Date | Document |
|---|---|
| Feb 21, 2023 | Warranty Deed, Transfer · FHA Mortgage PRIMELENDING |
| Feb 17, 2021 | Warranty Deed, Transfer · VA Mortgage UNIVERSITY LENDING GROUP LLC |
| Dec 29, 2020 | Grant Deed, Transfer · VA Mortgage MORTGAGE FIRM |
| Mar 6, 2019 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 21, 2023 · Amount on File |
| Deed Sale | Feb 21, 2023 · Amount on File |
| Prior Sale | Feb 17, 2021 · Amount on File |
| Deed Document Number | 202306981 |
| Deed Book / Page | 4368 / 444 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Feb 21, 2023 |
| Property Address | 8548 LAREDO ST, NAVARRE, FL 32566-1022 |
| Document Number | 0043680444 |
| Book / Page | 4368 / 444 |
| Map Reference | MB B PG 169 |
| Instrument Date | Feb 17, 2023 |
| Instrument | 202306981 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2023 |
| Title Company | NOT AVAILABLE, TRADEWINDS TITLE COMPANY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,520.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8548 LAREDO ST, NAVARRE, FL 32566-1022 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 8548 LAREDO ST, NAVARRE, FL 32566-1022 |
| Document Number | 0004368448 |
|---|---|
| Date | Feb 21, 2023 |
| Instrument | 4368/448 |
| Name | PRIMELENDING |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Feb 17, 2021 |
| Property Address | 8548 LAREDO ST, NAVARRE, FL 32566-1022 |
| Document Number | 0040721689 |
| Book / Page | 4072 / 1689 |
| Map Reference | MB B PG 169 |
| Instrument Date | Feb 16, 2021 |
| Instrument | 202110246 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,872.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5447 ABILENE CT, 5447, GULF BREEZE, FL 32563-9304 |
| Name | Verified Name |
|---|---|
| Address | 8548 LAREDO ST, NAVARRE, FL 32566-1022 |
| Document Number | 0040721691 |
|---|---|
| Date | Feb 17, 2021 |
| Instrument | 4072/1691 |
| Name | UNIVERSITY LENDING GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Dec 29, 2020 |
| Property Address | 8548 LAREDO ST, NAVARRE, FL 32566-1022 |
| Document Number | 0040490918 |
| Book / Page | 004049 / 000918 |
| Instrument Date | Dec 22, 2020 |
| Instrument | 70646 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2021 |
| Title Company | RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,854.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8550 LAREDO ST NAVARRE FL 325661022, NAVARRE, FL 32566-1022 |
| Document Number | 40490920 |
|---|---|
| Date | Dec 29, 2020 |
| Book Page | 004049/000920 |
| Instrument | 70647 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 28, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Mar 6, 2019 |
| Property Address | 8548 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 | $3,429.00 (+1.78%) | $288,260 (+0.49%) Land $67,500 Building $220,760 | $288,260 (+0.49%) Land $67,500 Building $220,760 |
| 2023 | $3,369.00 (+11.41%) | $286,866 (+15.85%) Land $67,500 Building $219,366 | $286,866 (+15.85%) Land $67,500 Building $219,366 |
| 2022 | $3,024.00 | $247,627 | $247,627 Land $40,500 Building $207,127 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8548 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 8548 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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