9239 E River Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 9239 E River Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,610 sqft · built 2019
Lot Size	0.565 acres (24,611 sqft)
Owner	2 Individual Names on Record
Last Sale	$339,800 (Dec 2019)
Tax Bill	$3,295 (2024)
Deeds & Mortgages	Aug 2019 Mortgage Dec 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-2S-26-0000-00416-0000`

Property Details

APN / Parcel Number

Primary APN	`15-2S-26-0000-00416-0000`
Alternative APN	`S262150000004160000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,610 sqft Living Area
Gross Area	3,551 sqft
1st Floor Area	2,610 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
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	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	435 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9239 E RIVER DR
City	NAVARRE
State	FL
Zip	32566-2539
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1M
Legal Description	NEW DESCRIPTION FOR 2019 W2 OF W2 OF NW4 OF NE4 OF NE4 OF NE4 OF SECTION 15 TOWNSHIP 2 SOUTH RANGE 26 WEST LESS N 33 FT FOR RD AS DES IN OR 3902 PG 1402 LESS ALL MINERAL RIGHTS (E2 NKA #4.42 FOR 2019 PER SEP REQ)
Legal Range	26W
Legal Township	2S
Legal Section	15
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	2
Census Block	2002
Census Tract	10827

Owner

Source: Santa Rosa County records, as of December 8, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	9304 WINBOURNE RD, BURKE, VA 22015-1753
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2019	Deed of Trust, Mortgage · Commercial Mortgage BEACH COMMUNITY BANK
Dec 23, 2019	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 27, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Jun 12, 2019	Correction Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2019 · Amount on Record
Deed Sale	Dec 23, 2019 · Amount on Record
Prior Sale	Jun 27, 2019 · Amount on Record
Deed Document Number	201957763
Deed Book / Page	3902 / 1402
Prior Transfer Date	Apr 29, 2019
Prior Transfer Doc	0038270905
Record Updated	Jun 8, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	9239 E RIVER DR, NAVARRE, FL 32566-2539
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038642054
Date	Aug 29, 2019
Book Page	3864/2054
Instrument	201938520

Lender

Name	BEACH COMMUNITY BANK
Type	Bank
Address	FORT WALTON BEACH, FL 32548

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 21, 2039

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 23, 2019
Property Address	9239 E RIVER DR, NAVARRE, FL 32566-2539
Document Number	0039021402
Book / Page	3902 / 1402
Instrument Date	Dec 3, 2019
Instrument	201957763
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,378.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 5489, NAVARRE, FL 32566-0489

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9239 E RIVER DR, NAVARRE, FL 32566-2539

Mortgage

Document Number	0039021404
Date	Dec 23, 2019
Instrument	3902/1404

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 27, 2019
Property Address	9239 E RIVER DR, NAVARRE, FL 32566-2539
Document Number	0038440533
Book / Page	003844 / 000533
Instrument Date	Jun 27, 2019
Instrument	27611
Transaction Type	Transfer
Record Updated	Aug 30, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$892.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9933 NAVARRE PKWY NAVARRE FL 325663039, NAVARRE, FL 32566-3039
Investor	Possibly a Property Investor

June 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 12, 2019
Property Address	9239 E RIVER DR, NAVARRE, FL 32566-2539
Document Number	0038390029
Book / Page	003839 / 000029
Instrument Date	Jun 7, 2019
Instrument	24864
Transaction Type	Transfer
Record Updated	Jul 30, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9265 E RIVER DR NAVARRE FL 325662539, NAVARRE, FL 32566-2539

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$316,313 (+2.9%)	$392,504 (+4.73%) Land $49,846 Building $342,658
2024	$3,295.00 (+2.17%) Homeowner's exemption	$307,398 (+3%)	$374,772 (+2.07%) Land $41,538 Building $333,234
2023	$3,225.00 (+2.61%) Homeowner's exemption	$298,445 (+3%)	$367,184 (+3.37%) Land $37,384 Building $329,800
2022	$3,143.00 Homeowner's exemption	$289,752	$355,198 Land $31,154 Building $324,044

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 117 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	117 in force
Nearby Flood Claims	7 (2014–2025)
Claims Outside the SFHA	7 of 7
Most Recent Claim	May 2025 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 4 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 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 Risk	Moderate above 61% of the US · lower than 63% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 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

Violations Reported to EPA

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.

Internet Providers

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

Provider	Max 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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