Santa Rosa County property record for 8820 Cagle Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,614 sqft · built 1994 |
| Lot Size | 0.254 acres (11,064 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $150,750 (Apr 2014) |
| Tax Bill | $1,511 (2024) |
| Deeds & Mortgages | Apr 2020 Line of Credit Jan 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-2S-26-1960-00000-0180 |
| Primary APN | 21-2S-26-1960-00000-0180 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,614 sqft Living Area |
| Gross Area | 2,456 sqft |
| 1st Floor Area | 1,614 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 11,064 sqft (0.254 acres) |
| Lot Dimensions | 135 ft deep x 82 ft wide |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 336 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 8820 CAGLE DR |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-2128 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2-HON |
| Legal Description | JACKSON TRAIL LOT 18 AS DES IN OR 3337 PG 754 |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 21 |
| Legal Subdivision | JACKSON TRAIL |
| Legal Lot Number | 18 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 10827 |
8820 Cagle Dr is owned and occupied by two individuals who bought it in April 2014.
Source: Santa Rosa County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8820 CAGLE DR, NAVARRE, FL 32566-2128 |
| 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 14, 2020 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Jan 20, 2017 | Deed of Trust, Mortgage · Conventional with PMI NJ LENDERS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 16, 2014 · Amount on File |
| Deed Sale | Apr 16, 2014 · Amount on File |
| Prior Sale | Sep 19, 2013 |
| Deed Document Number | 201412845 |
| Deed Book / Page | 3337 / 754 |
| Prior Transfer Date | Oct 15, 2007 |
| Prior Transfer Doc | 0028681339 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 8820 CAGLE DR, NAVARRE, FL 32566-2128 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0039381765 |
|---|---|
| Date | Apr 14, 2020 |
| Book Page | 3938/1765 |
| Instrument | 202017618 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 8820 CAGLE DR, NAVARRE, FL 32566-2128 |
| Document Number | 0035932071 |
| Book / Page | 003593 / 002071 |
| Instrument Date | Jan 20, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 8820 CAGLE DR NAVARRE FL 325662128, NAVARRE, FL 32566-2128 |
| Document Number | 0035932071 |
|---|---|
| Date | Jan 26, 2017 |
| Book Page | 003593/002071 |
| Instrument | 3215 |
| Name | NJ LENDERS |
|---|---|
| Address | LITTLE FALLS, NJ 07424 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 25, 2047 |
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 | $161,405 (+2.9%) | $247,716 (+10.29%) Land $50,000 Building $197,716 | |
| 2024 | $1,511.00 (+2.93%) Homeowner's exemption | $156,856 (+3%) | $224,598 (+3.19%) Land $45,000 Building $179,598 |
| 2023 | $1,468.00 (+3.23%) Homeowner's exemption | $152,287 (+3%) | $217,664 (+4.88%) Land $40,000 Building $177,664 |
| 2022 | $1,422.00 Homeowner's exemption | $147,851 | $207,542 Land $35,000 Building $172,542 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8820 Cagle Dr in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2014.
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 117 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 117 in force |
| Nearby Flood Claims | 7 (2014–2025) |
| Claims Outside the SFHA | 7 of 7 |
| Most Recent Claim | May 2025 · 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 8820 Cagle Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 445 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 in parts of the area | 5,000 / 5,000 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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