Santa Rosa County property record for 8869 Cagle Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,848 sqft · built 1992 |
| Lot Size | 0.254 acres (11,064 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $395,000 (Aug 2022) |
| Tax Bill | $2,229 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage Aug 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-2S-26-1960-00000-0040 |
| Primary APN | 21-2S-26-1960-00000-0040 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,848 sqft Living Area |
| Gross Area | 2,484 sqft |
| 1st Floor Area | 1,848 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 2007 |
| 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 | 394 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 242 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 8869 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 4 AS DES IN OR 4316 PG 1724 |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 21 |
| Legal Subdivision | JACKSON TRAIL |
| Legal Lot Number | 4 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 10827 |
Source: Santa Rosa County records, as of August 24, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 8869 CAGLE DR, NAVARRE, FL 32566-2128 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 23, 2022 | Deed of Trust, Mortgage · VA Mortgage NFM INC |
| Aug 16, 2022 | Warranty Deed, Transfer · VA Mortgage NFM INC |
| Aug 27, 2018 | Warranty Deed, Transfer · VA Mortgage MORTGAGE ONE/SOUTH |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 16, 2022 · Amount on Record |
| Deed Sale | Aug 16, 2022 · Amount on Record |
| Prior Sale | Aug 27, 2018 · Amount on Record |
| Deed Document Number | 202247809 |
| Deed Book / Page | 4316 / 1724 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 8869 CAGLE DR, NAVARRE, FL 32566-2128 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2023 |
| Title Company | SOURCEPOINT |
| Name | Verified Name |
|---|---|
| Address | 1085 CAMELLIA DR, VASS, NC 28394-0600 |
| Document Number | 0043190348 |
|---|---|
| Date | Aug 23, 2022 |
| Book Page | 4319/348 |
| Instrument | 202249162 |
| Name | NFM INC |
|---|---|
| Type | Mortgage Company |
| Address | LINTHICUM HEIGHTS, MD 21090 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Aug 16, 2022 |
| Property Address | 8869 CAGLE DR, NAVARRE, FL 32566-2128 |
| Document Number | 0043161724 |
| Book / Page | 4316 / 1724 |
| Map Reference | MB E PG 77 |
| Instrument Date | Aug 8, 2022 |
| Instrument | 202247809 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2023 |
| Title Company | VOXTUR SETTLEMENT SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,765.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7739A MOCCASIN LOOP, CLOVIS, NM 88101-8134 |
| Name | Verified Name |
|---|---|
| Address | 1085 CAMELLIA DR, VASS, NC 28394-0600 |
| Document Number | 0043161726 |
|---|---|
| Date | Aug 16, 2022 |
| Book Page | 4316/1726 |
| Instrument | 202247810 |
| Name | NFM INC |
|---|---|
| Type | Mortgage Company |
| Address | LINTHICUM HEIGHTS, MD 21090 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Aug 27, 2018 |
| Property Address | 8869 CAGLE DR, NAVARRE, FL 32566-2128 |
| Document Number | 0037600962 |
| Book / Page | 003760 / 000962 |
| Instrument Date | Aug 23, 2018 |
| Instrument | 36702 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2018 |
| Title Company | EMERALD COAST TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,470.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 8869 CAGLE DR GULF BREEZE FL 325662128, GULF BREEZE, FL 32566-2128 |
| Document Number | 37600964 |
|---|---|
| Date | Aug 27, 2018 |
| Book Page | 003760/000964 |
| Instrument | 36703 |
| Name | MORTGAGE ONE/SOUTH |
|---|---|
| Type | Mortgage Company |
| Address | FORT WALTON BEACH, FL 32548 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 26, 2048 |
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 | $2,229.00 (+3.72%) Homeowner's exemption | $275,145 (+2.9%) | $279,507 (+4.53%) Land $50,000 Building $229,507 |
| 2024 | $2,149.00 (-32.08%) Homeowner's exemption Additional exemption filed | $267,391 (+2.62%) Land $45,000 Building $222,391 | $267,391 (+2.62%) Land $45,000 Building $222,391 |
| 2023 | $3,164.00 (+126.97%) Homeowner's exemption Veteran's exemption | $260,557 (+52.58%) Land $40,000 Building $220,557 | $260,557 (+15.27%) Land $40,000 Building $220,557 |
| 2022 | $1,394.00 Homeowner's exemption Veteran's exemption | $170,773 | $226,034 Land $35,000 Building $191,034 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 Record 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.
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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