9424 Bone Bluff Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 9424 Bone Bluff Dr, Navarre, FL 32566 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,733 sqft · built 1999
Lot Size	2.41 acres (105,023 sqft)
Owner	2 Individual Names on File
Last Sale	$590,000 (Oct 2022)
Tax Bill	$5,379 (2024)
Deeds & Mortgages	Jul 2023 Mortgage Oct 2022 Sale & Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`11-2S-26-5689-00700-0350`

Property Details

APN / Parcel Number

Primary APN	`11-2S-26-5689-00700-0350`
Alternative APN	`S262115689007000350`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,733 sqft Living Area
Gross Area	4,595 sqft
1st Floor Area	2,733 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2009
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	105,023 sqft (2.41 acres)
Lot Dimensions	1,030 ft deep x 102 ft wide
View / Lot	River
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	4 Parking Spaces
Porch	Enclosed Porch
Porch Area	686 sqft
Deck Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9424 BONE BLUFF DR
City	NAVARRE
State	FL
Zip	32566-2542
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISPERING PINES ESTATES LOT 35 BLK 7 AS DES IN OR 4336 PG 1150
Legal Range	26W
Legal Township	2S
Legal Section	11
Legal Subdivision	WHISPERING PINES/REV
Legal Block	7
Legal Lot Number	35
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	2
Census Block	2001
Census Tract	10828

Owner

Source: Santa Rosa County records · APN 11-2S-26-5689-00700-0350

Assessment roll updated December 8, 2025 · Last verified June 2026

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 File
Mailing Address	9424 BONE BLUFF DR, NAVARRE, FL 32566-2542
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2023	Deed of Trust, Mortgage · VA Mortgage CATALYST MORTGAGE
Oct 17, 2022	Warranty Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC
Feb 01, 2022	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Oct 18, 2021	Deed of Trust, Mortgage · VA Mortgage PENTAGON FCU
Oct 03, 2017	Warranty Deed, Transfer · VA Mortgage BNC NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 17, 2022 · Amount on Record
Deed Sale	Oct 17, 2022 · Amount on Record
Prior Sale	Oct 03, 2017 · Amount on Record
Deed Document Number	202259085
Deed Book / Page	4336 / 1150
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	9424 BONE BLUFF DR, NAVARRE, FL 32566-2542
Transaction Type	Mortgage
Record Updated	Aug 07, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9424 BONE BLUFF DR, NAVARRE, FL 32566-2542

Mortgage

Document Number	0044130886
Date	Jul 10, 2023
Book Page	4413/886
Instrument	202330689

Lender

Name	CATALYST MORTGAGE
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2053

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Oct 17, 2022
Property Address	9424 BONE BLUFF DR, NAVARRE, FL 32566-2542
Document Number	0043361150
Book / Page	4336 / 1150
Map Reference	MB D PG 17&17-A-17-C
Instrument Date	Oct 17, 2022
Instrument	202259085
Transaction Type	Transfer
Record Updated	Nov 11, 2022
Title Company	ALLURE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,130.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9424 BONE BLUFF DR, 9424, NAVARRE, FL 32566-2542

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 KISSEE CT, JACKSON, GA 30233-2923

Mortgage

Document Number	0043361152
Date	Oct 17, 2022
Instrument	4336/1152

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2052

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	9424 BONE BLUFF DR, NAVARRE, FL 32566-2542
Transaction Type	Mortgage
Record Updated	Apr 01, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9424 BONE BLUFF DR, NAVARRE, FL 32566-2542

Mortgage

Document Number	0042400009
Date	Feb 01, 2022
Book Page	4240/9
Instrument	202205835

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 12, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	9424 BONE BLUFF DR, NAVARRE, FL 32566-2542
Transaction Type	Mortgage
Record Updated	Nov 08, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9424 BONE BLUFF DR, NAVARRE, FL 32566-2542

Mortgage

Document Number	0041941363
Date	Oct 18, 2021
Book Page	4194/1363
Instrument	202169551

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 02, 2051

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Oct 03, 2017
Property Address	9424 BONE BLUFF DR, NAVARRE, FL 32566-2542
Document Number	0036661423
Book / Page	3666 / 1423
Map Reference	MB D PG17
Instrument Date	Sep 29, 2017
Instrument	201741131
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	RELIABLE LAND TITLE CORP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,632.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1840 BAYDRIVE CIR, 1840, GULF BREEZE, FL 32563

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9424 BONE BLUFF DR, NAVARRE, FL 32566-2542

Mortgage

Document Number	0201741132
Date	Oct 03, 2017
Instrument	201741132

Lender

Name	BNC NATIONAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2047

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified June 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$498,642 (+2.9%)	$526,786 (+8.71%) Land $115,000 Building $411,786
2024	$5,379.00 (-8%) Homeowner's exemption	$484,589 (+0.66%) Land $90,000 Building $394,589	$484,589 (+0.66%) Land $90,000 Building $394,589
2023	$5,847.00 (+52.31%) Homeowner's exemption	$481,401 (+39.85%) Land $90,000 Building $391,401	$481,401 (+3.57%) Land $90,000 Building $391,401
2022	$3,839.00 Homeowner's exemption	$344,217	$464,796 Land $90,000 Building $374,796

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Rosa County (12113C), updated November 18, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121130108282, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 114 individual NFIP policies nearby
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 Storm	Hurricane Sally, Sep 2020 · 7 claims Hurricane Frances, Sep 2004 · 2 claims

Wildfire

Wildfire Risk	High above 76% of the US · above 63% of Florida
Wildfire Likelihood	About 1 in 271 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 127 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Mediacom Communications	Cable	1,000 / 50

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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