Santa Rosa County property record for 8695 Sand Pine Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,741 sqft · built 1999 |
| Lot Size | 1.96 acres (85,552 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $216,500 (Jan 2018) |
| Tax Bill | $2,364 (2024) |
| Deeds & Mortgages | Nov 2020 Mortgage Jan 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-2S-26-1020-00900-0040 |
| Primary APN | 09-2S-26-1020-00900-0040 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,741 sqft Living Area |
| Gross Area | 3,519 sqft |
| 1st Floor Area | 1,741 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 85,552 sqft (1.96 acres) |
| Lot Dimensions | 323 ft deep x 336 ft wide |
| Garage Type | Attached |
| Garage Area | 864 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Florida Room |
|---|---|
| Porch Area | 914 sqft |
| Shed | 1 Shed |
| Shed Area | 3 sqft |
| Greenhouse | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 8695 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 L0T 4 BLK 9 AS DES IN OR 3695 PG 824 LESS ALL MINERAL RIGHTS |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 09 |
| Legal Subdivision | EAST BAY RVR/1ST ADD |
| Legal Block | 9 |
| Legal Lot Number | 4 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 10828 |
8695 Sand Pine Dr is owned and occupied by two individuals who bought it in January 2018.
Source: Santa Rosa County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8695 SAND PINE DR, NAVARRE, FL 32566-3118 |
| 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 |
|---|---|
| Nov 24, 2020 | Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LENDING GROUP INC |
| Jan 19, 2018 | Quit Claim Deed, Transfer EQUITY SETTLEMENT SERVICES |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 19, 2018 · Amount on File |
| Deed Sale | Jan 19, 2018 · Amount on File |
| Prior Sale | Mar 11, 2005 · Amount on File |
| Deed Document Number | 20182203 |
| Deed Book / Page | 3695 / 824 |
| Prior Transfer Date | Dec 11, 2017 |
| Prior Transfer Doc | 0036950824 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 8695 SAND PINE DR, NAVARRE, FL 32566-3118 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2021 |
| Name | Verified Name |
|---|---|
| Address | 8695 SAND PINE DR, NAVARRE, FL 32566-3118 |
| Document Number | 0040331877 |
|---|---|
| Date | Nov 24, 2020 |
| Book Page | 4033/1877 |
| Instrument | 202063239 |
| Name | SOVEREIGN LENDING GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | COSTA MESA, CA 92626 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jan 19, 2018 |
| Property Address | 8695 SAND PINE DR, NAVARRE, FL 32566-3118 |
| Document Number | 0036950824 |
| Book / Page | 003695 / 000824 |
| Instrument Date | Dec 11, 2017 |
| Instrument | 2203 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2018 |
| Title Company | EQUITY SETTLEMENT SERVICES |
| Amount | Amount on Record |
|---|---|
| Tax | $1,515.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 8695 SAND PINE DR NAVARRE FL 325663118, NAVARRE, FL 32566-3118 |
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 | $232,256 (+2.9%) | $341,337 (+1.97%) Land $103,950 Building $237,387 | |
| 2024 | $2,364.00 (+2.52%) Homeowner's exemption | $225,710 (+3%) | $334,740 (+10.88%) Land $103,950 Building $230,790 |
| 2023 | $2,306.00 (+2.9%) Homeowner's exemption | $219,136 (+3%) | $301,901 (-3.41%) Land $78,540 Building $223,361 |
| 2022 | $2,241.00 Homeowner's exemption | $212,753 | $312,558 Land $78,540 Building $234,018 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8695 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 |
|
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 8695 Sand Pine Dr is high, ranking above 71% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 71% of the US · above 54% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 |
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