Santa Rosa County property record for 8640 Laredo St, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,188 sqft · built 2018 |
| Lot Size | 0.458 acres (19,994 sqft) |
| Owner | Individual Name on File |
| Last Sale | $325,000 (Apr 2019) |
| Tax Bill | $3,171 (2024) |
| Deeds & Mortgages | Apr 2019 Sale & Mortgage Mar 2018 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-2S-26-2740-00800-0180 |
| Primary APN | 21-2S-26-2740-00800-0180 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,188 sqft Heated Area |
| Gross Area | 2,955 sqft |
| 1st Floor Area | 2,671 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 19,994 sqft (0.458 acres) |
| Lot Dimensions | 2,000 ft deep x 1,000 ft wide |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 284 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 212S262740008000180 |
|---|---|
| Street Address | 8640 LAREDO ST |
| City | NAVARRE |
| State | FL |
| Zip | 32566-2165 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | NAVARRE 1ST ADD LOT 18 BLK 8 AS DES IN OR 3822 PG 731 |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 21 |
| Legal Subdivision | NAVARRE 1ST ADD |
| Legal Block | 8 |
| Legal Lot Number | 18 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 10827 |
8640 Laredo St is owned and occupied by an individual who bought it in April 2019.
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 | 8640 LAREDO ST, NAVARRE, FL 32566-2165 |
| 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 |
|---|---|
| Apr 24, 2019 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 5, 2018 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage INTERLINC MORTGAGE SERVICES LLC |
| Oct 23, 2017 | Loan Modification, Consolidation and Extension, Mortgage ROUNDHOUSE PROPERTIES LLC |
| Sep 15, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 24, 2019 · Amount on File |
| Deed Sale | Apr 24, 2019 · Amount on File |
| Prior Sale | Mar 5, 2018 · Amount on File |
| Deed Document Number | 201916149 |
| Deed Book / Page | 3822 / 0731 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 24, 2019 |
| Property Address | 8640 LAREDO ST, NAVARRE, FL 32566-2165 |
| Document Number | 0038220731 |
| Book / Page | 3822 / 0731 |
| Map Reference | MB B PG 169 |
| Instrument Date | Apr 19, 2019 |
| Instrument | 201916149 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | H & S TITLE AND ESCROW INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,275.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 20 FAWN LN, 20, ODENVILLE, AL 35120-7907 |
| Name | Verified Name |
|---|---|
| Address | 8640 LAREDO ST, NAVARRE, FL 32566-2165 |
| Document Number | 0003822732 |
|---|---|
| Date | Apr 24, 2019 |
| Instrument | 3822/732 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Mar 5, 2018 |
| Property Address | 8640 LAREDO ST, NAVARRE, FL 32566-2165 |
| Document Number | 0037061863 |
| Book / Page | 3706 / 1863 |
| Map Reference | MB B PG169 |
| Instrument Date | Mar 5, 2018 |
| Instrument | 201808419 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,030.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6850 NELSON ST, 6850, NAVARRE, FL 32566-9748 |
| Name | Verified Name |
|---|---|
| Relationship | Family Living Trust |
| Address | 2856 BOAT CLUB LN, NAVARRE, FL 32566-7991 |
| Document Number | 0201808420 |
|---|---|
| Date | Mar 5, 2018 |
| Instrument | 201808420 |
| Name | INTERLINC MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2048 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 8640 LAREDO ST, NAVARRE, FL 32566-2165 |
| Document Number | 0036750638 |
| Instrument Date | Oct 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 9425 VICTORIA LN NAVARRE FL 325662807, NAVARRE, FL 32566-2807 |
| Document Number | 0036750638 |
|---|---|
| Date | Nov 1, 2017 |
| Book Page | 003675/000638 |
| Instrument | 45690 |
| Name | ROUNDHOUSE PROPERTIES LLC |
|---|---|
| Address | YONKERS, NY 10710 |
| Amount | Amount on Record |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Sep 15, 2017 |
| Property Address | 8640 LAREDO ST, NAVARRE, FL 32566-2165 |
| Document Number | 0036611507 |
| Book / Page | 003661 / 001507 |
| Instrument Date | Sep 12, 2017 |
| Instrument | 38530 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $595.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Address | 9425 VICTORIA LN NAVARRE FL 325662807, NAVARRE, FL 32566-2807 |
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 | $3,171.00 (+2.13%) Homeowner's exemption | $299,930 (+3%) | $398,687 (+0.87%) Land $75,000 Building $323,687 |
| 2023 | $3,105.00 (+2.61%) Homeowner's exemption | $291,194 (+3%) | $395,263 (+12.93%) Land $75,000 Building $320,263 |
| 2022 | $3,026.00 Homeowner's exemption | $282,713 | $350,002 Land $45,000 Building $305,002 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8640 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 8640 Laredo St is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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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