8709 Sand Pine Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 8709 Sand Pine Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,074 sqft · built 1993
Lot Size	1.14 acres (49,746 sqft)
Owner	2 Individual Names on File
Last Sale	$272,000 (Dec 2017)
Tax Bill	$2,879 (2024)
Deeds & Mortgages	Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-2S-26-1020-00900-0030`

Property Details

APN / Parcel Number

Primary APN	`09-2S-26-1020-00900-0030`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,074 sqft Heated Area
Gross Area	3,739 sqft
1st Floor Area	2,599 sqft
Upper Floors Area	889 sqft
Flooring	Carpet
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2003
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	49,746 sqft (1.14 acres)
Lot Dimensions	3,120 ft deep x 1,500 ft wide
Garage Type	Mixed
Garage Area	525 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	220 sqft
Shed	1 Shed
Shed Area	2 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	092S261020009000030
Street Address	8709 SAND PINE DR
City	NAVARRE
State	FL
Zip	32566-3130
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	EAST BAY RIVER EST 1ST ADD LOT 3 BLK 9 AS DES IN OR 3690 PG 625
Legal Range	26W
Legal Township	02S
Legal Section	09
Legal Subdivision	EAST BAY RIVER EST
Legal Block	9
Legal Lot Number	3
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	2
Census Block	2014
Census Tract	10828

Owner

8709 Sand Pine Dr is owned and occupied by two individuals who bought it in December 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	8709 SAND PINE DR, NAVARRE, FL 32566-3130
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	Dec 28, 2017 · Amount on File
Deed Sale	Dec 28, 2017 · Amount on File
Deed Document Number	201753241
Deed Book / Page	3690 / 0625
Record Updated	Jun 8, 2026

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 28, 2017
Property Address	8709 SAND PINE DR, NAVARRE, FL 32566-3130
Document Number	0036900625
Book / Page	003690 / 000625
Instrument Date	Dec 23, 2017
Instrument	53241
Transaction Type	Transfer
Record Updated	Jan 4, 2018
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,904.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	947 HOLBROOK CIR FORT WALTON BEACH FL 325476733, FORT WALTON BEACH, FL 32547-6733

Mortgage

Document Number	36900627
Date	Dec 28, 2017
Book Page	003690/000627
Instrument	53242

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 27, 2047

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	$2,879.00 (+2.31%) Homeowner's exemption	$269,704 (+3%)	$373,352 (+7.42%) Land $99,000 Building $274,352
2023	$2,814.00 (+2.78%) Homeowner's exemption	$261,849 (+3%)	$347,572 (-4.07%) Land $74,800 Building $272,772
2022	$2,738.00 Homeowner's exemption	$254,222	$362,329 Land $74,800 Building $287,529

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

Flood

FEMA maps place 8709 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 8709 Sand Pine Dr is moderate, ranking above 64% 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	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within 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 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