8609 Laredo St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 8609 Laredo St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,170 sqft · built 1983
Lot Size	0.479 acres (20,865 sqft)
Owner	2 Individual Names on File
Last Sale	$196,000 (Mar 2020)
Tax Bill	$1,929 (2024)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-2S-26-2740-00600-0220`

Property Details

APN / Parcel Number

Primary APN	`21-2S-26-2740-00600-0220`
Alternative APN	`S262212740006000220`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,170 sqft Living Area
Gross Area	2,090 sqft
1st Floor Area	1,170 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1993
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	20,865 sqft (0.479 acres)
Lot Dimensions	209 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	344 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8609 LAREDO ST
City	NAVARRE
State	FL
Zip	32566-2129
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	NAVARRE 1ST ADD LOT 22 BLK 6 AS DES IN OR 3928 PG 1928 LESS ALL MINERAL RIGHTS
Legal Range	26W
Legal Township	2S
Legal Section	21
Legal Subdivision	NAVARRE 1ST ADD
Legal Block	6
Legal Lot Number	22
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	3
Census Block	3011
Census Tract	10827

Owner

8609 Laredo St is owned and occupied by two individuals who bought it in March 2020.

Source: Santa Rosa County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 5106, DESTIN, FL 32540-5106
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2020 · Amount on File
Deed Sale	Mar 13, 2020 · Amount on File
Prior Sale	Apr 12, 2016 · Amount on File
Deed Document Number	202012548
Deed Book / Page	3928 / 1928
Prior Transfer Date	Feb 6, 2013
Prior Transfer Doc	0032331910
Record Updated	Jun 8, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 13, 2020
Property Address	8609 LAREDO ST, NAVARRE, FL 32566-2129
Document Number	0039281928
Book / Page	3928 / 1928
Map Reference	MB B PG 169
Instrument Date	Mar 13, 2020
Instrument	202012548
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	VINTAGE TITLE & ESCROW INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,372.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16775 HURDS CORNER ROAD, 16775, CARO, MI 48723

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8609 LAREDO ST, NAVARRE, FL 32566-2129

Mortgage

Document Number	0039281933
Date	Mar 13, 2020
Book Page	3928/1933
Instrument	202012550

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

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		$200,163 (+2.9%)	$268,808 (+6.37%) Land $80,000 Building $188,808
2024	$1,929.00 (+2.5%) Homeowner's exemption	$194,522 (+3%)	$252,701 (+3.25%) Land $75,000 Building $177,701
2023	$1,882.00 (+2.95%) Homeowner's exemption	$188,856 (+3%)	$244,757 (+23.64%) Land $75,000 Building $169,757
2022	$1,828.00 Homeowner's exemption	$183,357	$197,955 Land $45,000 Building $152,955

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

Flood

FEMA maps place 8609 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 8609 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.

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 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