Santa Rosa County property record for 8608 Sand Pine Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,674 sqft · built 1989 |
| Lot Size | 1.67 acres (72,963 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $248 (2024) |
| Deeds & Mortgages | May 2020 Mortgage Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 09-2S-26-1020-01100-0140 |
| Primary APN | 09-2S-26-1020-01100-0140 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,674 sqft Living Area |
| Gross Area | 3,788 sqft |
| 1st Floor Area | 1,507 sqft |
| Upper Floors Area | 1,167 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 72,963 sqft (1.67 acres) |
| Lot Dimensions | 730 ft deep x 100 ft wide |
| View / Lot | River |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 458 sqft |
| Deck Area | 104 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 8608 SAND PINE DR |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-3117 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | EAST BAY RIVER EST 1ST ADD LOT 14 BLK 11 AS DES IN OR 1080 PG 265 & AS DES IN OR 4172 PG 688 |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 09 |
| Legal Subdivision | EAST BAY RVR/1ST ADD |
| Legal Block | 11 |
| Legal Lot Number | 14 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 10828 |
8608 Sand Pine Dr is owner-occupied and held in a trust since August 2021.
Source: Santa Rosa County records, as of December 8, 2025
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 8608 SAND PINE DR, NAVARRE, FL 32566-3117 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 |
|---|---|
| May 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC |
| Dec 31, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PENTAGON FCU |
| Sep 1, 2021 | Intrafamily Transfer, Transfer ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 25, 2021 |
| Transfer Doc | 0041720688 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 8608 SAND PINE DR, NAVARRE, FL 32566-3117 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0039541660 |
|---|---|
| Date | May 27, 2020 |
| Book Page | 3954/1660 |
| Instrument | 202024803 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46250 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jun 1, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 8608 SAND PINE DR, NAVARRE, FL 32566-3117 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2021 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 8508 SAND PINE DRIVE, NAVARRE, FL 32566 |
| Document Number | 0040501624 |
|---|---|
| Date | Dec 31, 2020 |
| Book Page | 4050/1624 |
| Instrument | 202071179 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jan 1, 2041 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Sep 1, 2021 |
| Property Address | 8608 SAND PINE DR, NAVARRE, FL 32566-3117 |
| Document Number | 0041720688 |
| Book / Page | 4172 / 688 |
| Map Reference | MB C PG 171 |
| Instrument Date | Aug 25, 2021 |
| Instrument | 202158794 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 8608 SAND PINE DR, NAVARRE, FL 32566-3117 |
Source: Santa Rosa County assessment roll, as of December 8, 2025
| 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 |
|---|---|---|---|
| 2025 | $229,076 (+2.9%) | $375,205 (+2.88%) Land $75,240 Building $299,965 | |
| 2024 | $248.00 (+7.36%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $222,620 (+3%) | $364,719 (+7.57%) Land $75,240 Building $289,479 |
| 2023 | $231.00 (+6.45%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $216,135 (+3%) | $339,061 (-5.42%) Land $56,848 Building $282,213 |
| 2022 | $217.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $209,840 | $358,507 Land $56,848 Building $301,659 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8608 Sand Pine Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 114 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 114 in force |
| Nearby Flood Claims | 10 (2004–2024) |
| Claims Outside the SFHA | 3 of 10 |
| Most Recent Claim | Jun 2024 · rainfall accumulation |
| Claims by Event |
|
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 8608 Sand Pine Dr is high, ranking above 76% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 76% of the US · above 63% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
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 78 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures