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8640 Sand Pine Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 8640 Sand Pine Dr, Navarre, FL 32566

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,683 sqft · built 2017
Lot Size2.25 acres (98,358 sqft)
Owner2 Individual Names on Record
Tax Bill$3,860 (2024)
Deeds & MortgagesNov 2020 Mortgage
Jun 2017 Sale & Mortgage
+ 1 more
Flood ZoneZone AE (high risk)
APN09-2S-26-1020-01100-0180

Property Details

APN / Parcel Number

Primary APN09-2S-26-1020-01100-0180

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,683 sqft Heated Area
Gross Area3,534 sqft
1st Floor Area3,211 sqft
Upper Floors Area286 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2017
Exterior MaterialBrick
Construction TypeWood
Foundation TypeSlab (Mat/Raft)
Roof MaterialShingle
Lot Area98,358 sqft (2.25 acres)
Lot Dimensions915 ft deep x 100 ft wide
Garage Area1,960 sqft
Parking Spaces9 Parking Spaces
PorchPorch
Porch Area323 sqft
Patio Area18 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number092S261020011000180
Street Address8640 SAND PINE DR
CityNAVARRE
StateFL
Zip32566-3117
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionEAST BAY RIVER ESTATES 1ST ADD LOTS 18 & 19 BLK 11 AS DES IN OR 3704 PG 2014 (CORRECTING OR 3638 PG 886) (LOT 19 ADDED 2017
Legal Range26W
Legal Township02S
Legal Section09
Legal SubdivisionEAST BAY RIVER ESTATES
Legal Block11
Legal Lot Number18-19 19
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group2
Census Block2009
Census Tract10828

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address3550 WILEY RD, MONTGOMERY, AL 36106-3228
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 5, 2020Deed of Trust, Mortgage · VA Mortgage
ARC HOME LLC
Jun 30, 2017Warranty Deed, Transfer · VA Mortgage
MMW HOLDING LLC
Mar 21, 2017Loan Modification, Mortgage · Line of Credit
SMARTBANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 26, 2018
Deed SaleFeb 26, 2018
Prior SaleDec 19, 2016 · Amount on Record
Deed Document Number0037042014
Deed Book / Page3638 / 0886
Prior Transfer DateJun 30, 2017
Prior Transfer Doc201726669
Record UpdatedJun 8, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address8640 SAND PINE DR, NAVARRE, FL 32566-3117
Transaction TypeMortgage
Record UpdatedDec 21, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address8640 SAND PINE DR, NAVARRE, FL 32566-3117

Mortgage

Document Number0040250506
DateNov 5, 2020
Book Page4025/506
Instrument202058518
Lender
NameARC HOME LLC
TypeMortgage Company
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term350 Months
DueJan 1, 2050

June 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateJun 30, 2017
Property Address8640 SAND PINE DR, NAVARRE, FL 32566-3117
Document Number0036380886
Book / Page3638 / 0886
Map ReferenceMB C PG171
Instrument DateJun 28, 2017
Instrument201726669
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanySURETY LAND TITLE OF FLORIDA

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,664.90
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address8640 SAND PINE DR, NAVARRE, FL 32566-3117

Mortgage

Document Number0201726670
DateJun 30, 2017
Instrument201726670
Lender
NameMMW HOLDING LLC
TypeNon-Lending Institution
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2047

March 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionSANTA ROSA FL
Property Address8640 SAND PINE DR, NAVARRE, FL 32566-3117
Document Number0036081064
Book / Page003608 / 001064
Instrument DateMar 21, 2017
Transaction TypeMortgage
Record UpdatedApr 5, 2017
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1300 E OLIVE RD PENSACOLA FL 325144820, PENSACOLA, FL 32514-4820
InvestorPossibly a Property Investor

Mortgage

Document Number0036081064
DateMar 22, 2017
Book Page003608/001064
Instrument11134
Lender
NameSMARTBANK
TypeBank
Address201 N PALAFOX ST, PENSACOLA, FL 32502-4840
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2024$3,860.00 (+2.04%) Homeowner's exemption$357,164 (+3%)$546,946 (+9.33%) Land $178,200 Building $368,746
2023$3,783.00 (-0.5%) Homeowner's exemption$346,761 (+3%)$500,273 (-3.44%) Land $134,640 Building $365,633
2022$3,802.00 Homeowner's exemption$336,661$518,087 Land $134,640 Building $383,447

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 114 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies114 in force
Nearby Flood Claims10 (2004–2024)
Claims Outside the SFHA3 of 10
Most Recent ClaimJun 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskHigh
above 71% of the US · above 54% of Florida
Wildfire Likelihood0.2% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemHOLLEY-NAVARRE WATER SYSTEM
public/private · serves 47,793 people · EPA ID FL1570349
Water SourceGroundwater
Last State InspectionOct 2025
Lead6 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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

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