Santa Rosa County property record for 8909 Schooner Ct, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,247 sqft · built 1993 |
| Lot Size | 0.396 acres (17,253 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,200,000 (Oct 2024) |
| Tax Bill | $5,674 (2024) |
| Deeds & Mortgages | Nov 2021 Mortgage Jul 2020 Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 22-2S-26-0775-00000-0160 |
| Primary APN | 22-2S-26-0775-00000-0160 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,247 sqft Heated Area |
| Gross Area | 4,626 sqft |
| 1st Floor Area | 3,883 sqft |
| Upper Floors Area | 708 sqft |
| Attic Area | 66 sqft |
| Flooring | Wood |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Lot Area | 17,253 sqft (0.396 acres) |
| Lot Dimensions | 2,130 ft deep x 810 ft wide |
| Garage Area | 966 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 315 sqft |
| Deck Area | 362 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 222S260775000000160 |
|---|---|
| Street Address | 8909 SCHOONER CT |
| City | NAVARRE |
| State | FL |
| Zip | 32566-2148 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CRESCENT III LOT 16 & UNDIVIDED 1/39TH INTEREST IN PRIVATE PARK AS DES IN OR 3815 PG 1198 & AS DES IN OR 4182 PG 1840 |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 22 |
| Legal Subdivision | INTEREST |
| Legal Lot Number | 16 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 10827 |
8909 Schooner Ct is owned and occupied by an individual who bought it in October 2024.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 121 DOWNING ST, PANAMA CITY, FL 32413-3619 |
| 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 |
|---|---|
| Nov 8, 2021 | Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN |
| Jul 31, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Sep 24, 2021 | Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Apr 1, 2019 | Warranty Deed, Transfer NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 2024 · Amount on File |
| Deed Sale | Oct 23, 2024 · Amount on File |
| Prior Sale | Sep 24, 2021 |
| Deed Document Number | 202447891 |
| Deed Book / Page | 4554 / 1537 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 8909 SCHOONER CT, NAVARRE, FL 32566-2148 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2021 |
| Name | Verified Name |
|---|---|
| Address | 8909 SCHOONER CT, NAVARRE, FL 32566-2148 |
| Document Number | 0042041985 |
|---|---|
| Date | Nov 8, 2021 |
| Book Page | 4204/1985 |
| Instrument | 202174795 |
| Name | UNITED STATES SMALL BUSINESS ADMIN |
|---|---|
| Type | Government Agency |
| Address | BIRMINGHAM, AL 35203 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 172 Months |
| Due | Mar 17, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 8909 SCHOONER CT, NAVARRE, FL 32566-2148 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0039831483 |
|---|---|
| Date | Jul 31, 2020 |
| Book Page | 3983/1483 |
| Instrument | 202038305 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Sep 24, 2021 |
| Property Address | 8909 SCHOONER CT, NAVARRE, FL 32566-2148 |
| Document Number | 0041821840 |
| Book / Page | 4182 / 1840 |
| Map Reference | MB E PG 6 |
| Instrument Date | Sep 24, 2021 |
| Instrument | 202163943 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8909 SCHOONER CT, 8909, NAVARRE, FL 32566-2148 |
| Name | Verified Name |
|---|---|
| Address | 8909 SCHOONER CT, NAVARRE, FL 32566-2148 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 1, 2019 |
| Property Address | 8909 SCHOONER CT, NAVARRE, FL 32566-2148 |
| Document Number | 0038151198 |
| Book / Page | 003815 / 001198 |
| Instrument Date | Mar 28, 2019 |
| Instrument | 12520 |
| Transaction Type | Transfer |
| Record Updated | May 9, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,305.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2608 STORMY CIR NAVARRE FL 325669061, NAVARRE, FL 32566-9061 |
| Document Number | 38151201 |
|---|---|
| Date | Apr 1, 2019 |
| Book Page | 003815/001201 |
| Instrument | 12521 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 31, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.12% |
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 | $5,674.00 (+2.03%) Homeowner's exemption | $509,516 (+3%) | $636,605 (+0.64%) Land $283,500 Building $353,105 |
| 2023 | $5,561.00 (+2.37%) Homeowner's exemption | $494,676 (+3%) | $632,553 (+2.39%) Land $283,500 Building $349,053 |
| 2022 | $5,432.00 Homeowner's exemption | $480,268 | $617,776 Land $283,500 Building $334,276 |
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.
FEMA maps place 8909 Schooner Ct in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 248 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 271 units insured incl. 23 condo units |
| Nearby Flood Claims | 31 (1995–2020) |
| Claims Outside the SFHA | 7 of 31 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| 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 8909 Schooner Ct 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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