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8965 E River Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 8965 E River Dr, Navarre, FL 32566 · Last verified June 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2018
Square Footage1,903 sqft Living Area
Lot Size24,611 sqft (0.565 acres)
OccupancyOwner Occupied
Last Sale$499,000 (2024)
Tax Bill$194.00 (2025)

Property Details

APN / Parcel Number

Primary APN15-2S-26-0000-00218-0000
Alternative APN
  • S262150000002180000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,903 sqft Living Area
Gross Area2,762 sqft Gross Area
1st Floor1,903 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Exterior MaterialBrick Exterior
Construction TypeWood Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialWood Shingle Roof
Lot Area24,611 sqft (0.565 acres)
Depth X Width297 ft x 83 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area462 sqft Garage
Shed1 Shed
Shed Area1 sqft Shed
Porch Area397 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating

Location & Zoning

Street Address8965 E RIVER DR
CityNAVARRE
StateFL
Zip32566-2533
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal Description**DESCRIPTION UPDATE FOR 2024** THE E2 OF NW4 OF NE4 OF NW4 OF NW4 LESS N 33 FT FOR RD AS DES IN OR 4511 PG 190
Legal Range26W
Legal Township2S
Legal Section15
JurisdictionSANTA ROSA FL
Minor Civil DivisionHOLLEY-NAVARRE
Census Blockgroup2
Census Block2003
Census Tract10827

Owner

Source: Santa Rosa County records · APN 15-2S-26-0000-00218-0000

Assessment roll updated December 8, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address8965 E RIVER DR, NAVARRE, FL 32566-2533
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 21, 2026Deed of Trust, Mortgage · Veterans Administration Mortgage
PENNYMAC LOAN SERVICES LLC
Jan 09, 2018Deed of Trust, Mortgage · Line of Credit
FIDELITY BANK
Oct 20, 2020Deed of Trust, Mortgage · Veterans Administration Mortgage
MORTGAGE ONE OF THE SOUTH INC
Apr 10, 2018Warranty Deed, Transfer · Veterans Administration Mortgage
INTERLINC MORTGAGE SERVICES LLC
Jun 07, 2017Warranty Deed, Transfer
SURETY LAND TITLE/FL LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 11, 2024 · Amount on Record
Deed SaleJun 11, 2024 · Amount on Record
Prior SaleApr 10, 2018 · Amount on Record
Deed Doc Number202425945
Deed Book / Page4511 / 190
Record RefreshedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Recording DateMay 21, 2026
Property Address8965 E RIVER DR, NAVARRE, FL 32566-2533
Document Number0047461289
Book / Page4746 / 1289
Instrument DateMay 12, 2026
Instrument202625628
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address8965 E RIVER DR, NAVARRE, FL 32566-2533

Mortgage

Document Number0000025628,
DateMay 21, 2026
Book Page4746/1289
Instrument202625628
Lender
NamePENNYMAC LOAN SERVICES LLC
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2056
Interest
Rate TypeAdjustable Rate
Rate6.3%
Initial TypeAdjustable Rate
AdjustableDocument includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate-1%

January 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address8965 E RIVER DR, NAVARRE, FL 32566-2533
Transaction TypeMortgage
Record UpdatedFeb 07, 2021
Title CompanySURETY LAND TITLE OF FL

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0036931137
DateJan 09, 2018
Book Page3693/1137
Instrument201801053
Lender
NameFIDELITY BANK
TypeBank
AddressJACKSONVILLE, FL 32256
Agreement
TypeLine of Credit
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address8965 E RIVER DR, NAVARRE, FL 32566-2533
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address8965 E RIVER DR, NAVARRE, FL 32566-2533

Mortgage

Document Number0040161476
DateOct 20, 2020
Book Page4016/1476
Instrument202054256
Lender
NameMORTGAGE ONE OF THE SOUTH INC
TypeMortgage Company
AddressFORT WALTON BEACH, FL 32548
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2050

April 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateApr 10, 2018
Property Address8965 E RIVER DR, NAVARRE, FL 32566-2533
Document Number0037170721
Book / Page3717 / 0721
Instrument DateApr 04, 2018
Instrument201813989
Transaction TypeTransfer
Record UpdatedDec 14, 2021
Title CompanySURETY LAND TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,807.40
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address8965 E RIVER DR, NAVARRE, FL 32566-2533

Mortgage

Document Number0201813990
DateApr 10, 2018
Instrument201813990
Lender
NameINTERLINC MORTGAGE SERVICES LLC
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2048

June 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateJun 07, 2017
Property Address8965 E RIVER DR, NAVARRE, FL 32566-2533
Document Number0036310794
Book / Page003631 / 000794
Instrument DateMay 03, 2017
Instrument22953
Transaction TypeTransfer
Record UpdatedJun 22, 2017
Title CompanySURETY LAND TITLE/FL LLC

Transaction

AmountAmount Recorded
Tax$367.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1300 E OLIVE RD PENSACOLA FL 325144820, PENSACOLA, FL 32514-4820
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$194.00 (-92.46%) Homeowner's exemption Veteran's exemption$350,772 (+41.26%) Land $52,470 Building $298,302$350,772 (+8.13%) Land $52,470 Building $298,302
2024$2,572.00 (+2.31%) Homeowner's exemption$248,325 (+3%)$324,412 (+2.9%) Land $43,725 Building $280,687
2023$2,514.00 (+30.53%) Homeowner's exemption Veteran's exemption$241,092 (+3%)$315,267 (+4.55%) Land $39,352 Building $275,915
2022$1,926.00 Homeowner's exemption Veteran's exemption$234,070$301,552 Land $32,793 Building $268,759

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Rosa County (12113C), updated November 18, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 69% of the US · above 49% of Florida
Wildfire LikelihoodAbout 1 in 469 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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