8609 Sand Pine Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 8609 Sand Pine Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,519 sqft · built 1988
Lot Size	1.22 acres (53,274 sqft)
Owner	2 Owner Names on File
Last Sale	$87,900 (Mar 1998)
Tax Bill	$1,277 (2024)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-2S-26-1020-01100-0120`

Property Details

APN / Parcel Number

Primary APN	`09-2S-26-1020-01100-0120`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,519 sqft Heated Area
Gross Area	2,431 sqft
1st Floor Area	1,969 sqft
Flooring	Carpet
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	53,274 sqft (1.22 acres)
Lot Dimensions	2,600 ft deep x 2,050 ft wide
Garage Type	Mixed
Garage Area	450 sqft
Carport	Carport
Carport Area	1 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	246 sqft
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	092S261020011000120
Street Address	8609 SAND PINE DR
City	NAVARRE
State	FL
Zip	32566-3118
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	EAST BAY RIVER EST 1ST ADD LO T 12 BLK 11 AS DES IN OR 1678 PG 1314
Legal Range	26W
Legal Township	02S
Legal Section	09
Legal Subdivision	EAST BAY RIVER EST
Legal Block	11
Legal Lot Number	12
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	2
Census Block	2009
Census Tract	10828

Owner

The current owner of 8609 Sand Pine Dr bought it in March 1998.

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

Owner of Record	2 Owner Names on File
Mailing Address	8609 SAND PINE DR, NAVARRE, FL 32566-3118
Occupancy	Owner Occupied

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 31, 1998 · Amount on File
Deed Sale	Mar 31, 1998 · Amount on File
Prior Sale	Jul 1, 1996 · Amount on File
Deed Document Number	0167801314
Deed Book / Page	01678 / 01314
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	8609 SAND PINE DR, NAVARRE, FL 32566-3118
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8609 SAND PINE DR, NAVARRE, FL 32566-3118

Mortgage

Document Number	0040712084
Date	Feb 16, 2021
Book Page	4071/2084
Instrument	202109813

Lender

Name	THE FIRST A NATIONAL BANKING ASSN
Type	Bank
Address	HATTIESBURG, MS 39402

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

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	$1,277.00 (+3.15%) Homeowner's exemption	$137,195 (+3%)	$236,716 (+11.88%) Land $99,000 Building $137,716
2023	$1,238.00 (+3.43%) Homeowner's exemption	$133,199 (+3%)	$211,587 (-2.63%) Land $74,800 Building $136,787
2022	$1,197.00 Homeowner's exemption	$129,319	$217,308 Land $74,800 Building $142,508

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

Flood

FEMA maps place 8609 Sand Pine Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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	Hurricane Sally, Sep 2020 · 7 claims Hurricane Frances, Sep 2004 · 2 claims

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 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.

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 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