9241 E River Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 9241 E River Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,421 sqft · built 2019
Lot Size	0.565 acres (24,651 sqft)
Owner	Individual Name on Record
Last Sale	$454,900 (Mar 2021)
Tax Bill	$3,672 (2024)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Aug 2019 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-2S-26-0000-00442-0000`

Property Details

APN / Parcel Number

Primary APN	`15-2S-26-0000-00442-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,421 sqft Heated Area
Gross Area	3,555 sqft
1st Floor Area	3,147 sqft
Flooring	Laminate Plank
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2019
Exterior Material	Brick
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	726 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	396 sqft
Patio Area	12 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	152S260000004420000
Street Address	9241 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	E2 OF W2 OF NW4 OF NE4 OF NE4 OF NE4 OF SECTION 15 TOWNSHP 2 SOUTH RANGE 26 WEST LESS N 33 FT FOR RD AS DES IN OR 4089 PG
Legal Range	26W
Legal Township	02S
Legal Section	15
Legal Subdivision	WEST
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 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	9241 E RIVER DR, NAVARRE, FL 32566-2539
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2021	Warranty Deed, Transfer · VA Mortgage PROGRESS BANK & TRUST
Aug 29, 2019	Deed of Trust, Mortgage · Construction Mortgage BEACH COMMUNITY BANK
Nov 10, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Dec 11, 2019	Warranty Deed, Transfer · VA Mortgage MORTGAGE ONE/SOUTH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2021 · Amount on Record
Deed Sale	Mar 19, 2021 · Amount on Record
Prior Sale	Dec 11, 2019 · Amount on Record
Deed Document Number	0040892094
Deed Book / Page	4089 / 2094
Record Updated	Jun 8, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 19, 2021
Property Address	9241 E RIVER DR, NAVARRE, FL 32566-2539
Document Number	0040892094
Book / Page	4089 / 2094
Instrument Date	Mar 19, 2021
Instrument	202118210
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SLN INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,184.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2004 98 PALMS BLVD UNIT 5118, 2004, DESTIN, FL 32541-2742

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9241 E RIVER DR, NAVARRE, FL 32566-2539

Mortgage

Document Number	40901
Date	Mar 19, 2021
Instrument	4090/1

Lender

Name	PROGRESS BANK & TRUST
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	9241 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	0038650157
Date	Aug 29, 2019
Book Page	3865/0157
Instrument	201938574

Lender

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

Agreement

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

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	9241 E RIVER DR, NAVARRE, FL 32566-2539
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040271230
Date	Nov 10, 2020
Book Page	4027/1230
Instrument	202059747

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 11, 2019
Property Address	9241 E RIVER DR, NAVARRE, FL 32566-2539
Document Number	0038981320
Book / Page	003898 / 001320
Instrument Date	Dec 6, 2019
Instrument	55703
Transaction Type	Transfer
Record Updated	Feb 25, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,415.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9241 E RIVER DR NAVARRE FL 325662539, NAVARRE, FL 32566-2539

Mortgage

Document Number	38981322
Date	Dec 11, 2019
Book Page	003898/001322
Instrument	55704

Lender

Name	MORTGAGE ONE/SOUTH
Type	Mortgage Company
Address	FORT WALTON BEACH, FL 32548

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2049

Tax Assessment & Valuation

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

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
2024	$3,672.00 (+73.62%) Homeowner's exemption	$340,585 (+3%)	$384,327 (+2.04%) Land $41,538 Building $342,789
2023	$2,115.00 (-39.71%) Homeowner's exemption	$330,665 (+3%)	$376,643 (+3.27%) Land $37,384 Building $339,259
2022	$3,508.00 Homeowner's exemption	$321,034	$364,725 Land $31,154 Building $333,571

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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