9278 E River Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 9278 E River Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,687 sqft · built 2006
Lot Size	0.565 acres (24,611 sqft)
Owner	2 Company Names on Record
Last Sale	$387,500 (Jun 2023)
Tax Bill	$3,127 (2025)
Deeds & Mortgages	Sep 2026 Sale Jun 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10-2S-26-0000-00132-0000`

Property Details

APN / Parcel Number

Primary APN	`10-2S-26-0000-00132-0000`
Alternative APN	`S262100000001320000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,687 sqft Living Area
Gross Area	2,514 sqft
1st Floor Area	1,687 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2011
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
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	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	217 sqft
Deck Area	130 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9278 E RIVER DR
City	NAVARRE
State	FL
Zip	32566-2538
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1M
Legal Description	DESCRIPTION UPDATE FOR 2023 E2 OF W2 OF SE4 OF SE4 OF SE4 OF SE4 OF SECTION 10 TOWNSHP 2 SOUTH RANGE 26 WEST MORE PARTICULARLY DES AS: COM AT SE SEC CORNER THN S000000W 165.00 FT THN N000000E 33 FT TO N R/W OF EAST RIVER DR FOR POB & CONTINUE N00
Legal Range	26W
Legal Township	2S
Legal Section	10
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	2
Census Block	2028
Census Tract	10828

Owner

Source: Santa Rosa County records, as of October 13, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	1699 W HIGHWAY 98, 403, MARY ESTHER, FL 32569-1564
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jun 2, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 27, 2022	Intrafamily Transfer, Transfer
Feb 19, 2020	Warranty Deed, Transfer · Conventional Mortgage GENERAL ELECTRIC CU
Jun 21, 2018	Warranty Deed, Transfer · Conventional Mortgage EGLIN FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2023 · Amount on Record
Deed Sale	Jun 2, 2023 · Amount on Record
Prior Sale	Feb 19, 2020 · Amount on Record
Deed Document Number	202324370
Deed Book / Page	4401 / 578
Prior Transfer Date	Jul 18, 2022
Prior Transfer Doc	0043092092
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 17, 2026
Property Address	9278 E RIVER DR, NAVARRE, FL 32566-2538
Document Number	0000047048
Book / Page	4789 / 1372
Instrument Date	Sep 15, 2026
Instrument	202647048
Transaction Type	Transfer
Record Updated	Oct 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1699 W HIGHWAY 98, 403, MARY ESTHER, FL 32569-1564

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 2, 2023
Property Address	9278 E RIVER DR, NAVARRE, FL 32566-2538
Document Number	0044010578
Book / Page	4401 / 578
Instrument Date	May 30, 2023
Instrument	202324370
Transaction Type	Transfer
Record Updated	Jun 28, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,712.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2625 BOB WHITE CIR, NAVARRE, FL 32566-2547

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1699 W HIGHWAY 98 APT 403, 403, MARY ESTHER, FL 32569-1564

Mortgage

Document Number	0004401581
Date	Jun 2, 2023
Instrument	4401/581

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jun 1, 2048

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 27, 2022
Property Address	9278 E RIVER DR, NAVARRE, FL 32566-2538
Document Number	0043092092
Book / Page	4309 / 2092
Instrument Date	Jul 18, 2022
Instrument	202244141
Transaction Type	Transfer
Record Updated	Aug 24, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9278 E RIVER DR, 9278, NAVARRE, FL 32566-2538

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	9278 E RIVER DR, NAVARRE, FL 32566-2538

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Feb 19, 2020
Property Address	9278 E RIVER DR, NAVARRE, FL 32566-2538
Document Number	0039200054
Book / Page	003920 / 000054
Instrument Date	Feb 14, 2020
Instrument	7913
Transaction Type	Transfer
Record Updated	Mar 13, 2020
Title Company	PRATT AYCOCK TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,869.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9278 E RIVER DR NAVARRE FL 325662538, NAVARRE, FL 32566-2538

Mortgage

Document Number	39200056
Date	Feb 19, 2020
Book Page	003920/000056
Instrument	7914

Lender

Name	GENERAL ELECTRIC CU
Type	Credit Union
Address	CINCINNATI, OH 45241

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 18, 2035

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 21, 2018
Property Address	9278 E RIVER DR, NAVARRE, FL 32566-2538
Document Number	0037400422
Book / Page	3740 / 0422
Instrument Date	Jun 18, 2018
Instrument	201826104
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,687.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	825 WATSON RD, 825, FREEPORT, FL 32439-2825

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9278 E RIVER DR, NAVARRE, FL 32566-2538

Mortgage

Document Number	0201826105
Date	Jun 21, 2018
Instrument	201826105

Lender

Name	EGLIN FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

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	$3,127.00 (+2.52%)	$259,795 (+2.09%) Land $43,990 Building $215,805	$259,795 (+2.09%) Land $43,990 Building $215,805
2024	$3,050.00 (+18.49%)	$254,474 (+2.5%) Land $43,990 Building $210,484	$254,474 (+2.5%) Land $43,990 Building $210,484
2023	$2,574.00 (-8.69%)	$248,267 (+3.81%) Land $39,591 Building $208,676	$248,267 (+3.81%) Land $39,591 Building $208,676
2022	$2,819.00	$239,163	$239,163 Land $32,992 Building $206,171

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 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	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 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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