Santa Rosa County property record for 8862 Cagle Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,570 sqft · built 1991 |
| Lot Size | 0.254 acres (11,064 sqft) |
| Owner | Individual Name on File |
| Last Sale | $339,200 (Mar 2023) |
| Tax Bill | $2,185 (2024) |
| Deeds & Mortgages | Dec 2025 Second Mortgage Mar 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-2S-26-1960-00000-0250 |
| Primary APN | 21-2S-26-1960-00000-0250 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,570 sqft Living Area |
| Gross Area | 2,310 sqft |
| 1st Floor Area | 1,570 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Brick |
| 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 | 453 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 287 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 8862 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 25 AS DES IN OR 4376 PG 1658 |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 21 |
| Legal Subdivision | JACKSON TRAIL |
| Legal Lot Number | 25 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 10827 |
8862 Cagle Dr is owned and occupied by an individual who bought it in March 2023.
Source: Santa Rosa County records, as of January 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 8862 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 |
|---|---|
| Dec 29, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage POLICE & FIRE FCU |
| Mar 20, 2023 | Warranty Deed, Transfer · Conventional Mortgage REPUBLIC BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 20, 2023 · Amount on File |
| Deed Sale | Mar 20, 2023 · Amount on File |
| Prior Sale | Sep 2, 2015 · Amount on File |
| Deed Document Number | 202311503 |
| Deed Book / Page | 4376 / 1658 |
| Prior Transfer Date | Jun 26, 2015 |
| Prior Transfer Doc | 0034400245 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 8862 CAGLE DR, NAVARRE, FL 32566-2128 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 8862 CAGLE DR, NAVARRE, FL 32566-2128 |
| Document Number | 0046930143 |
|---|---|
| Date | Dec 29, 2025 |
| Book Page | 4693/143 |
| Instrument | 202560160 |
| Name | POLICE & FIRE FCU |
|---|---|
| Type | Credit Union |
| Address | BENSALEM, PA 19020 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 1, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Mar 20, 2023 |
| Property Address | 8862 CAGLE DR, NAVARRE, FL 32566-2128 |
| Document Number | 0043761658 |
| Book / Page | 4376 / 1658 |
| Map Reference | MB E PG 77 |
| Instrument Date | Mar 17, 2023 |
| Instrument | 202311503 |
| Transaction Type | Transfer |
| Record Updated | Apr 18, 2023 |
| Title Company | NOT AVAILABLE, FOUNDATION T&E SERIES LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,374.40 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 1775 STATE HIGHWAY 261118, GRAPEVINE, TX 76051 |
| Name | Verified Name |
|---|---|
| Address | 8862 CAGLE DR, NAVARRE, FL 32566-2128 |
| Document Number | 0043761660 |
|---|---|
| Date | Mar 20, 2023 |
| Instrument | 4376/1660 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
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 | $223,257 (+2.9%) | $228,340 (+5.24%) Land $50,000 Building $178,340 | |
| 2024 | $2,185.00 (-11.97%) Homeowner's exemption | $216,965 (+3.43%) Land $45,000 Building $171,965 | $216,965 (+3.43%) Land $45,000 Building $171,965 |
| 2023 | $2,482.00 (+6.34%) | $209,775 (+4.97%) Land $40,000 Building $169,775 | $209,775 (+4.97%) Land $40,000 Building $169,775 |
| 2022 | $2,334.00 | $199,840 | $199,840 Land $35,000 Building $164,840 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8862 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.
The area around 8862 Cagle Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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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