Santa Rosa County property record for 9120 E River Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,031 sqft · built 2018 |
| Lot Size | 0.565 acres (24,651 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $509,500 (May 2022) |
| Tax Bill | $3,896 (2024) |
| Deeds & Mortgages | May 2022 Sale & Mortgage Apr 2018 Line of Credit + 7 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-2S-26-0000-00128-0000 |
| Primary APN | 10-2S-26-0000-00128-0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,031 sqft Heated Area |
| Gross Area | 3,111 sqft |
| 1st Floor Area | 2,871 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 24,651 sqft (0.565 acres) |
| Lot Dimensions | 2,970 ft deep x 830 ft wide |
| Garage Area | 840 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 240 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 102S260000001280000 |
|---|---|
| Street Address | 9120 E RIVER DR |
| City | NAVARRE |
| State | FL |
| Zip | 32566-2536 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1M |
| Legal Description | *NEW DESCRIPTION FOR 2018* TRACT 19 A THE W2 OF W2 OF SE4 OF SW4 OF SW4 OF SE4 OF SECTION 10 TOWNSHIP 2 SOUTH RANGE 26 WEST |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 10 |
| Legal Subdivision | WEST |
| Legal Tract | 19 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 10828 |
Source: Santa Rosa County records, as of October 27, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 9120 E RIVER DR, NAVARRE, FL 32566-2536 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 6, 2022 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Apr 18, 2018 | Deed of Trust, Mortgage · Line of Credit FIDELITY BANK |
| Jul 9, 2020 | Deed of Trust, Mortgage · VA Mortgage USAA |
| Aug 31, 2018 | Deed of Trust, Mortgage · VA Mortgage AMERICAN MTG SVC |
| Oct 5, 2018 | Grant Deed, Transfer SURETY LAND TITLE/FL LLC |
| Sep 14, 2018 | Warranty Deed, Transfer · VA Mortgage AMERICAN MORTGAGE SERVICE CO |
| Aug 2, 2018 | Warranty Deed, Subdivision Related Transfer · VA Mortgage FIRST FL BK |
| Jan 4, 2018 | Loan Modification, Mortgage · Line of Credit FIDELITY BK |
| Oct 13, 2017 | Warranty Deed, Transfer SURETY LAND AND TITLE COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 6, 2022 · Amount on Record |
| Deed Sale | May 6, 2022 · Amount on Record |
| Prior Sale | Oct 5, 2018 |
| Deed Document Number | 202227777 |
| Deed Book / Page | 4280 / 2084 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | May 6, 2022 |
| Property Address | 9120 E RIVER DR, NAVARRE, FL 32566-2536 |
| Document Number | 0042802084 |
| Book / Page | 4280 / 2084 |
| Instrument Date | May 6, 2022 |
| Instrument | 202227777 |
| Transaction Type | Transfer |
| Record Updated | Jun 6, 2022 |
| Title Company | ALLURE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,566.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9120 E RIVER DR, 9120, NAVARRE, FL 32566-2536 |
| Name | Verified Name |
|---|---|
| Address | 9120 E RIVER DR, NAVARRE, FL 32566-2536 |
| Document Number | 0042802086 |
|---|---|
| Date | May 6, 2022 |
| Instrument | 4280/2086 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 9120 E RIVER DR, NAVARRE, FL 32566-2536 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | SURETY LAND TITLE OF FL LLC |
| Name | Verified Name |
|---|
| Document Number | 0037191412 |
|---|---|
| Date | Apr 18, 2018 |
| Book Page | 3719/1412 |
| Instrument | 201815254 |
| Name | FIDELITY BANK |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32256 |
| Type | Line of Credit |
|---|
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 9120 E RIVER DR, NAVARRE, FL 32566-2536 |
| Document Number | 0039771032 |
| Instrument Date | Jul 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 9120 E RIVER DR NAVARRE FL 325662536, NAVARRE, FL 32566-2536 |
| Document Number | 0039771032 |
|---|---|
| Date | Jul 16, 2020 |
| Book Page | 003977/001032 |
| Instrument | 35385 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 15, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 9120 E RIVER DR, NAVARRE, FL 32566-2536 |
| Document Number | 0037720835 |
| Instrument Date | Aug 31, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2018 |
| Title Company | SURETY LAND TITLE/FL LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | PQ BOX 6226 NAVARRE FL 32566, NAVARRE, FL 32566 |
| Document Number | 0037720835 |
|---|---|
| Date | Oct 5, 2018 |
| Book Page | 003772/000835 |
| Instrument | 43178 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 4, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Oct 5, 2018 |
| Property Address | 9120 E RIVER DR, NAVARRE, FL 32566-2536 |
| Document Number | 0037720833 |
| Book / Page | 003772 / 000833 |
| Instrument Date | Aug 31, 2018 |
| Instrument | 43177 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2018 |
| Title Company | SURETY LAND TITLE/FL LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 9120 E RIVER DR NAVARRE FL 325662536, NAVARRE, FL 32566-2536 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Sep 14, 2018 |
| Property Address | 9120 E RIVER DR, NAVARRE, FL 32566-2536 |
| Document Number | 0037651587 |
| Book / Page | 3765 / 1587 |
| Instrument Date | Aug 31, 2018 |
| Instrument | 201839488 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | SURETY LAND TITLE OF FL LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,159.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 9120 E RIVER DR, NAVARRE, FL 32566-2536 |
| Document Number | 0201839489 |
|---|---|
| Date | Sep 14, 2018 |
| Instrument | 201839489 |
| Name | AMERICAN MORTGAGE SERVICE CO |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Aug 2, 2018 |
| Property Address | 9120 E RIVER DR, NAVARRE, FL 32566-2536 |
| Document Number | 0037531490 |
| Book / Page | 003753 / 001490 |
| Instrument Date | Jul 30, 2018 |
| Instrument | 33022 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 10, 2018 |
| Title Company | SURETY LAND TITLE/FL LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,363.90 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 9126 E RIVER DR NAVARRE FL 325662536, NAVARRE, FL 32566-2536 |
| Document Number | 37531492 |
|---|---|
| Date | Aug 2, 2018 |
| Book Page | 003753/001492 |
| Instrument | 33023 |
| Name | FIRST FL BK |
|---|---|
| Type | Bank |
| Address | DESTIN, FL 32540 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 9120 E RIVER DR, NAVARRE, FL 32566-2536 |
| Document Number | 0036931174 |
| Instrument Date | Jan 4, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2018 |
| Title Company | SURETY LAND TITLE/FL LLC |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1300 E OLIVE RD PENSACOLA FL 325144820, PENSACOLA, FL 32514-4820 |
| Investor | Possibly a Property Investor |
| Document Number | 0036931174 |
|---|---|
| Date | Jan 9, 2018 |
| Book Page | 003693/001174 |
| Instrument | 1072 |
| Name | FIDELITY BK |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32256 |
| Type | Line of Credit |
|---|
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Oct 13, 2017 |
| Property Address | 9120 E RIVER DR, NAVARRE, FL 32566-2536 |
| Document Number | 0036700613 |
| Book / Page | 003670 / 000613 |
| Instrument Date | Oct 6, 2017 |
| Instrument | 43025 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2017 |
| Title Company | SURETY LAND AND TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $630.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1300 E OLIVE RD PENSACOLA FL 325144820, PENSACOLA, FL 32514-4820 |
| Investor | Possibly a Property Investor |
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 | $3,896.00 (+0.96%) | $324,614 (+2.29%) Land $43,905 Building $280,709 | $324,614 (+2.29%) Land $43,905 Building $280,709 |
| 2023 | $3,859.00 (+104.07%) Homeowner's exemption Veteran's exemption | $317,351 (+33.4%) Land $39,514 Building $277,837 | $317,351 (+6.04%) Land $39,514 Building $277,837 |
| 2022 | $1,891.00 Homeowner's exemption Veteran's exemption | $237,894 | $299,278 Land $26,343 Building $272,935 |
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 114 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 114 in force |
| Nearby Flood Claims | 10 (2004–2024) |
| Claims Outside the SFHA | 3 of 10 |
| Most Recent Claim | Jun 2024 · 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 | Moderate above 61% of the US · lower than 64% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 140 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 | 5,000 / 5,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
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