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9186 E River Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 9186 E River Dr, Navarre, FL 32566

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,310 sqft · built 1988
Lot Size0.451 acres (19,668 sqft)
Owner2 Individual Names on Record
Tax Bill$705 (2024)
Deeds & MortgagesMar 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN10-2S-26-0000-00134-0000

Property Details

APN / Parcel Number

Primary APN10-2S-26-0000-00134-0000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,310 sqft Heated Area
Gross Area2,156 sqft
1st Floor Area1,310 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1988
Exterior MaterialVinyl
Foundation TypeMasonry
Roof MaterialShingle
Lot Area19,668 sqft (0.451 acres)
Lot Dimensions1,490 ft deep x 1,320 ft wide
Garage Area272 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchOpen Porch
Porch Area786 sqft
Shed1 Shed
Shed Area1 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number102S260000001340000
Street Address9186 E RIVER DR
CityNAVARRE
StateFL
Zip32566-2536
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1M
Legal DescriptionCOM SE COR SEC TH N 89* W 1357 .79 FT TH N 33 FT TO NLY R/W OF EAST RIVER DRIVE FOR PO B TH CONT N 148.50 FT TH TH N 89* W
Legal Range26W
Legal Township02S
Legal Section10
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group2
Census Block2009
Census Tract10828

Owner

Source: Santa Rosa County records, as of October 27, 2025

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 Record2 Individual Names on Record
Mailing Address9186 E RIVER DR, NAVARRE, FL 32566-2536
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 1, 1988
Deed SaleMar 1, 1988
Deed Document Number0000933742
Record UpdatedJun 8, 2026

March 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address9186 E RIVER DR, NAVARRE, FL 32566-2536
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0036051206
DateMar 10, 2017
Book Page3605/1206
Instrument201709409
Lender
NameREGIONS BANK
TypeBank
AddressBIRMINGHAM, AL 35244
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term359 Months
DueFeb 27, 2047
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2024$705.00 (+5.22%) Homeowner's exemption Widower's exemption$96,886 (+3%)$194,583 (+3.7%) Land $52,140 Building $142,443
2023$670.00 (-9.58%) Homeowner's exemption Widower's exemption$94,064 (+3%)$187,643 (+10.66%) Land $46,926 Building $140,717
2022$741.00 Homeowner's exemption Disabled Person's exemption$91,324$169,568 Land $39,105 Building $130,463

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 114 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies114 in force
Nearby Flood Claims10 (2004–2024)
Claims Outside the SFHA3 of 10
Most Recent ClaimJun 2024 · rainfall accumulation
Claims by Event
  • Hurricane Sally, Sep 2020 · 7 claims
  • Hurricane Frances, Sep 2004 · 2 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 63% of the US · lower than 60% of Florida
Wildfire Likelihood0.2% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemHOLLEY-NAVARRE WATER SYSTEM
public/private · serves 47,793 people · EPA ID FL1570349
Water SourceGroundwater
Last State InspectionOct 2025
Lead6 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 119 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
LiveOak Fiber
Fiber		5,000 / 5,000
Mediacom Xtream
Cable		1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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