Santa Rosa County property record for 9138 E River Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,844 sqft · built 2018 |
| Lot Size | 0.565 acres (24,611 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $400,000 (Nov 2024) |
| Tax Bill | $186 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Jan 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-2S-26-0000-00147-0000 |
| Primary APN | 10-2S-26-0000-00147-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,844 sqft Living Area |
| Gross Area | 2,642 sqft |
| 1st Floor Area | 1,844 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 24,611 sqft (0.565 acres) |
| Lot Dimensions | 297 ft deep x 83 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 358 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 9138 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 | **DESCRIPTION UPDATE FOR 2025** TRACT 20 B PER SURVEY: THE E2 OF E2 OF SE4 OF SW4 OF SW4 OF SE4 OF 10-2S-26W LESS S 33 FOR RD AS DES IN OR 4565 PG 1827 LESS ALL MINERAL RIGHTS |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 10 |
| Legal Tract | 20 |
| 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 April 28, 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 9138 E RIVER DR, NAVARRE, FL 32566-2536 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Oct 9, 2025 | Deed of Trust, Mortgage · VA Mortgage LOANUNITED.COM LLC |
| Jan 11, 2021 | Deed of Trust, Mortgage · VA Mortgage CBM MORTGAGE INC |
| Aug 6, 2018 | Warranty Deed, Transfer · VA Mortgage PRIVATE INDIVIDUAL |
| Mar 21, 2018 | Loan Modification, Mortgage · Line of Credit FIDELITY BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 26, 2024 · Amount on Record |
| Deed Sale | Nov 26, 2024 · Amount on Record |
| Prior Sale | Aug 6, 2018 · Amount on Record |
| Deed Document Number | 202453316 |
| Deed Book / Page | 4565 / 1827 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 9138 E RIVER DR, NAVARRE, FL 32566-2536 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2025 |
| Name | Verified Name |
|---|---|
| Address | 9138 E RIVER DR, NAVARRE, FL 32566-2536 |
| Document Number | 0046671428 |
|---|---|
| Date | Oct 9, 2025 |
| Book Page | 4667/1428 |
| Instrument | 202547669 |
| Name | LOANUNITED.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | DULUTH, GA 30096 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 9138 E RIVER DR, NAVARRE, FL 32566-2536 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2021 |
| Name | Verified Name |
|---|---|
| Address | 9138 E RIVER DR, NAVARRE, FL 32566-2536 |
| Document Number | 0040540789 |
|---|---|
| Date | Jan 11, 2021 |
| Book Page | 4054/789 |
| Instrument | 202101501 |
| Name | CBM MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | FRONT ROYAL, VA 22630 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Aug 6, 2018 |
| Property Address | 9138 E RIVER DR, NAVARRE, FL 32566-2536 |
| Document Number | 0037541522 |
| Book / Page | 003754 / 001522 |
| Instrument Date | Aug 2, 2018 |
| Instrument | 33531 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2019 |
| Title Company | SURETY LAND TITLE/FL LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,930.60 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 9138 ERIVER DR NAVARRE FL 32566, NAVARRE, FL 32566 |
| Document Number | 37541524 |
|---|---|
| Date | Aug 6, 2018 |
| Book Page | 003754/001524 |
| Instrument | 33532 |
| Name | PRIVATE INDIVIDUAL |
|---|---|
| Type | Private Party |
| Address | GULF BREEZE, FL 32561 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 5, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 9138 E RIVER DR, NAVARRE, FL 32566-2536 |
| Document Number | 0037131309 |
| Instrument Date | Mar 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2019 |
| Title Company | SURETY LAND TITLE/FL LLC |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1300 E OLIVE RD PENSACOLA FL 325144820, PENSACOLA, FL 32514-4820 |
| Investor | Possibly a Property Investor |
| Document Number | 0037131309 |
|---|---|
| Date | Mar 28, 2018 |
| Book Page | 003713/001309 |
| Instrument | 11992 |
| Name | FIDELITY BK |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32256 |
| Type | Line of Credit |
|---|
| Rate Type | Adjustable Rate |
|---|
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 | $186.00 (-94.72%) | $300,346 (+2.07%) Land $43,862 Building $256,484 | $300,346 (+2.07%) Land $43,862 Building $256,484 |
| 2024 | $3,520.00 (+2,086.34%) | $294,262 (+26.3%) Land $43,862 Building $250,400 | $294,262 (+2.42%) Land $43,862 Building $250,400 |
| 2023 | $161.00 (-93.14%) Homeowner's exemption | $232,986 (+3%) | $287,308 (+7.71%) Land $39,476 Building $247,832 |
| 2022 | $2,348.00 Homeowner's exemption | $226,200 | $266,748 Land $26,317 Building $240,431 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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