Santa Rosa County property record for 8827 Cagle Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,416 sqft · built 1993 |
| Lot Size | 0.253 acres (11,064 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $185,000 (Apr 2017) |
| Tax Bill | $1,707 (2024) |
| Deeds & Mortgages | Sep 2021 Mortgage Feb 2021 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-2S-26-1960-00000-0110 |
| Primary APN | 21-2S-26-1960-00000-0110 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,416 sqft Heated Area |
| Gross Area | 2,042 sqft |
| 1st Floor Area | 1,936 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 11,064 sqft (0.253 acres) |
| Lot Dimensions | 1,350 ft deep x 820 ft wide |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 106 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 212S261960000000110 |
|---|---|
| Street Address | 8827 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 11 AS DES IN OR 3615 PG 1261 |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 21 |
| Legal Subdivision | JACKSON TRAIL |
| Legal Lot Number | 11 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 10827 |
8827 Cagle Dr is owned and occupied by two individuals who bought it in April 2017.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8827 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 |
|---|---|
| Sep 13, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Feb 19, 2021 | Deed of Trust, Mortgage · Line of Credit UNITED STATES SENATE FCU |
| Feb 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED STATES SENATE FCU |
| Nov 22, 2019 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Sep 2, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Apr 17, 2017 | Warranty Deed, Transfer · VA Mortgage PRIME LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 17, 2017 · Amount on File |
| Deed Sale | Apr 17, 2017 · Amount on File |
| Prior Sale | Aug 2, 2005 · Amount on File |
| Deed Document Number | 201714693 |
| Deed Book / Page | 3615 / 1261 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 8827 CAGLE DR, NAVARRE, FL 32566-2128 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2021 |
| Title Company | KNIGHT BARRY TITLE |
| Name | Verified Name |
|---|---|
| Address | 8827 CAGLE DR, NAVARRE, FL 32566-2128 |
| Document Number | 0041770288 |
|---|---|
| Date | Sep 13, 2021 |
| Book Page | 4177/288 |
| Instrument | 202161127 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 8827 CAGLE DR, NAVARRE, FL 32566-2128 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2021 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 8827 CAGLE DR, NAVARRE, FL 32566-2128 |
| Document Number | 0040740052 |
|---|---|
| Date | Feb 19, 2021 |
| Book Page | 4074/52 |
| Instrument | 202110784 |
| Name | UNITED STATES SENATE FCU |
|---|---|
| Type | Credit Union |
| Address | ALEXANDRIA, VA 22314 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Feb 10, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 8827 CAGLE DR, NAVARRE, FL 32566-2128 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Address | 8827 CAGLE DR, NAVARRE, FL 32566-2128 |
| Document Number | 0040740044 |
|---|---|
| Date | Feb 19, 2021 |
| Book Page | 4074/44 |
| Instrument | 202110783 |
| Name | UNITED STATES SENATE FCU |
|---|---|
| Type | Credit Union |
| Address | ALEXANDRIA, VA 22314 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Feb 10, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 8827 CAGLE DR, NAVARRE, FL 32566-2128 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0038930081 |
|---|---|
| Date | Nov 22, 2019 |
| Book Page | 3893/0081 |
| Instrument | 201953003 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 8827 CAGLE DR, NAVARRE, FL 32566-2128 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0039990686 |
|---|---|
| Date | Sep 2, 2020 |
| Book Page | 3999/686 |
| Instrument | 202045508 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 17, 2017 |
| Property Address | 8827 CAGLE DR, NAVARRE, FL 32566-2128 |
| Document Number | 0036151261 |
| Book / Page | 003615 / 001261 |
| Instrument Date | Apr 12, 2017 |
| Instrument | 14693 |
| Transaction Type | Transfer |
| Record Updated | May 9, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,295.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2052 JESSICA WAY NAVARRE FL 325662946, NAVARRE, FL 32566-2946 |
| Document Number | 36151264 |
|---|---|
| Date | Apr 17, 2017 |
| Book Page | 003615/001264 |
| Instrument | 14694 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 16, 2047 |
Source: Santa Rosa County assessment roll, as of July 1, 2024
| 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 |
|---|---|---|---|
| 2024 | $1,707.00 (+2.71%) Homeowner's exemption | $174,972 (+3%) | $241,167 (+2.72%) Land $45,000 Building $196,167 |
| 2023 | $1,662.00 (+3.04%) Homeowner's exemption | $169,876 (+3%) | $234,781 (+5.38%) Land $40,000 Building $194,781 |
| 2022 | $1,613.00 Homeowner's exemption | $164,928 | $222,785 Land $35,000 Building $187,785 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8827 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 8827 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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