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8748 Sand Pine Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 8748 Sand Pine Dr, Navarre, FL 32566

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,602 sqft · built 2017
Lot Size4.5 acres (196,020 sqft)
Owner2 Individual Names on Record
Tax Bill$3,736 (2024)
Deeds & MortgagesSep 2020 Mortgage
May 2017 Mortgage
+ 2 more
Flood ZoneZone AE (high risk)
APN09-2S-26-1020-01100-0320

Property Details

APN / Parcel Number

Primary APN09-2S-26-1020-01100-0320

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,602 sqft Heated Area
Gross Area3,532 sqft
1st Floor Area3,178 sqft
Upper Floors Area288 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2017
Exterior MaterialBrick
Construction TypeWood
Foundation TypeSlab (Mat/Raft)
Roof MaterialShingle
Lot Area196,020 sqft (4.5 acres)
Lot Dimensions1,000 ft deep x 4,130 ft wide
Garage Area576 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area354 sqft
Shed1 Shed
Shed Area1 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number092S261020011000320
Street Address8748 SAND PINE DR
CityNAVARRE
StateFL
Zip32566-3126
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionEAST BAY RIVER EST 1ST ADD LT 32 BLK 11 AS DES IN OR 3642 PG 1927 LESS MINERAL RIGHTS
Legal Range26W
Legal Township02S
Legal Section09
Legal SubdivisionEAST BAY RIVER EST
Legal Block11
Legal Lot Number32
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 Address8748 SAND PINE DR, NAVARRE, FL 32566-3126
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 14, 2020Deed of Trust, Mortgage · VA Mortgage
TRIDENT HOME LOANS
May 4, 2017Deed of Trust, Mortgage · VA Mortgage
TRIDENT HM LNS
Jul 17, 2017Grant Deed, Transfer
SURETY LAND TITLE/FL LLC
Jan 13, 2017Loan Modification, Mortgage
SMARTBANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 17, 2017
Deed SaleJul 17, 2017
Prior SaleOct 17, 2016 · Amount on Record
Deed Document Number201728862
Deed Book / Page3642 / 1927
Record UpdatedJun 8, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address8748 SAND PINE DR, NAVARRE, FL 32566-3126
Transaction TypeMortgage
Record UpdatedDec 21, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address8748 SAND PINE DR, NAVARRE, FL 32566-3126

Mortgage

Document Number0040031048
DateSep 14, 2020
Book Page4003/1048
Instrument202047555
Lender
NameTRIDENT HOME LOANS
TypeMortgage Company
AddressGULF BREEZE, FL 32561
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2050

May 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address8748 SAND PINE DR, NAVARRE, FL 32566-3126
Document Number0036421929
Instrument DateMay 4, 2017
Transaction TypeMortgage
Record UpdatedNov 16, 2018
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1526 MAGNOLIA MANOR DR GULF BREEZE FL 325635917, GULF BREEZE, FL 32563-5917

Mortgage

Document Number0036421929
DateJul 17, 2017
Book Page003642/001929
Instrument28863
Lender
NameTRIDENT HM LNS
TypeFunding / Finance Company
AddressGULF BREEZE, FL 32561
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 16, 2047

July 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSANTA ROSA FL
Recording DateJul 17, 2017
Property Address8748 SAND PINE DR, NAVARRE, FL 32566-3126
Document Number0036421927
Book / Page003642 / 001927
Instrument DateMay 3, 2017
Instrument28862
Transaction TypeTransfer
Record UpdatedAug 1, 2017
Title CompanySURETY LAND TITLE/FL LLC

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address8748 SAND PINE DR NAVARRE FL 325663126, NAVARRE, FL 32566-3126

January 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionSANTA ROSA FL
Property Address8748 SAND PINE DR, NAVARRE, FL 32566-3126
Document Number0035910521
Book / Page003591 / 000521
Instrument DateJan 13, 2017
Transaction TypeMortgage
Record UpdatedJan 25, 2017
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1300 E OLIVE RD PENSACOLA FL 325144820, PENSACOLA, FL 32514-4820

Mortgage

Document Number0035910521
DateJan 17, 2017
Book Page003591/000521
Instrument1704
Lender
NameSMARTBANK
TypeBank
Address201 N PALAFOX ST, PENSACOLA, FL 32502-4840
Agreement
AmountAmount Recorded

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$3,736.00 (+2.05%) Homeowner's exemption$346,275 (+3%)$489,573 (+0.63%) Land $134,719 Building $354,854
2023$3,661.00 (+2.55%) Homeowner's exemption$336,189 (+3%)$486,516 (-0.51%) Land $134,719 Building $351,797
2022$3,570.00 Homeowner's exemption$326,397$489,028 Land $119,750 Building $369,278

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
FloodwayYes
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 81% of the US · above 72% of Florida
Wildfire Likelihood0.4% annual chance
ExposureDirect
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 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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