Santa Rosa County property record for 9126 E River Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,283 sqft · built 2018 |
| Lot Size | 0.565 acres (24,651 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $337,700 (Aug 2018) |
| Tax Bill | $2,735 (2024) |
| Deeds & Mortgages | Feb 2021 Mortgage Feb 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-2S-26-0000-00146-0000 |
| Primary APN | 10-2S-26-0000-00146-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,283 sqft Heated Area |
| Gross Area | 3,440 sqft |
| 1st Floor Area | 2,767 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Lot Area | 24,651 sqft (0.565 acres) |
| Lot Dimensions | 2,970 ft deep x 830 ft wide |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 673 sqft |
| Patio Area | 54 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 102S260000001460000 |
|---|---|
| Street Address | 9126 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 B PER SURVEY: THE E2 OF W2 OF SE4 OF SW4 OF SW4 OF SE4 LESS S 33 FT FOR RD LESS MINERAL |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 10 |
| Legal Tract | 19 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 10828 |
9126 E River Dr is owned and occupied by two individuals who bought it in August 2018.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9126 E RIVER DR, NAVARRE, FL 32566-2536 |
| 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 |
|---|---|
| Feb 16, 2021 | Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Feb 24, 2020 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 2, 2018 · Amount on File |
| Deed Sale | Aug 2, 2018 · Amount on File |
| Deed Document Number | 201833022 |
| Deed Book / Page | 3753 / 1490 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 9126 E RIVER DR, NAVARRE, FL 32566-2536 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2021 |
| Name | Verified Name |
|---|---|
| Address | 9126 E RIVER DR, NAVARRE, FL 32566-2536 |
| Document Number | 0040711411 |
|---|---|
| Date | Feb 16, 2021 |
| Book Page | 4071/1411 |
| Instrument | 202109687 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 9126 E RIVER DR, NAVARRE, FL 32566-2536 |
| Document Number | 0039251447 |
| Instrument Date | Feb 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 9126 E RIVER DR NAVARRE FL 325662536, NAVARRE, FL 32566-2536 |
| Document Number | 0039251447 |
|---|---|
| Date | Mar 5, 2020 |
| Book Page | 003925/001447 |
| Instrument | 10814 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 4, 2050 |
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 | $2,735.00 (+2.47%) Homeowner's exemption Disabled Person's exemption | $263,761 (+3.06%) | $344,551 (+2.27%) Land $43,899 Building $300,652 |
| 2023 | $2,669.00 (+2.81%) Homeowner's exemption Disabled Person's exemption | $255,921 (+3%) | $336,915 (+5.99%) Land $39,509 Building $297,406 |
| 2022 | $2,596.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $248,467 | $317,889 Land $26,339 Building $291,550 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9126 E River Dr in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 2004.
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 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.
Wildfire risk around 9126 E River Dr is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.
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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