9437 Bone Bluff Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 9437 Bone Bluff Dr, Navarre, FL 32566 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,784 sqft · built 1994
Lot Size	1.02 acres (44,431 sqft)
Owner	2 Individual Names on File
Last Sale	$675,000 (Jul 2025)
Tax Bill	$344 (2024)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Oct 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11-2S-26-5689-00500-0020`

Property Details

APN / Parcel Number

Primary APN	`11-2S-26-5689-00500-0020`
Alternative APN	`S262115689005000020`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,784 sqft Living Area
Gross Area	5,456 sqft
1st Floor Area	3,784 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	44,431 sqft (1.02 acres)
Garage Type	Attached
Garage Area	515 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	150 sqft
Patio Area	207 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	9437 BONE BLUFF DR
City	NAVARRE
State	FL
Zip	32566-2507
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISPERING PINES ESTATES LOT 2 BLK 5 AS DES IN OR 4640 PG 966
Legal Range	26W
Legal Township	2S
Legal Section	11
Legal Subdivision	WHISPERING PINES/REV
Legal Block	5
Legal Lot Number	2
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	2
Census Block	2003
Census Tract	10828

Owner

Source: Santa Rosa County records · APN 11-2S-26-5689-00500-0020

Assessment roll updated December 8, 2025 · Last verified April 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	9437 BONE BLUFF DR, NAVARRE, FL 32566-2507
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2025	Warranty Deed, Transfer · Conventional Mortgage GARDNER FINANCIAL SERVICES LTD
Oct 17, 2019	Warranty Deed, Transfer · VA Mortgage MORTGAGE ONE/SOUTH
Jun 20, 2017	Quit Claim Deed, Transfer Quitclaim
Jun 20, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 23, 2025 · Amount on Record
Deed Sale	Jul 23, 2025 · Amount on Record
Prior Sale	Oct 17, 2019 · Amount on Record
Deed Document Number	202533810
Deed Book / Page	4640 / 966
Prior Transfer Date	Apr 25, 2017
Prior Transfer Doc	0036341076
Record Updated	Jun 08, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 23, 2025
Property Address	9437 BONE BLUFF DR, NAVARRE, FL 32566-2507
Document Number	0046400966
Book / Page	4640 / 966
Map Reference	MB D PG 17
Instrument Date	Jul 15, 2025
Instrument	202533810
Transaction Type	Transfer
Record Updated	Oct 13, 2025
Title Company	SURETY LAND TITLE/FL LLC, SURETY LAND TITLE OF FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,725.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	264 CARMELLO, KYLE, TX 78640-3106

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9437 BONE BLUFF DR, NAVARRE, FL 32566-2507

Mortgage

Document Number	0004640967
Date	Jul 23, 2025
Instrument	4640/967

Lender

Name	GARDNER FINANCIAL SERVICES LTD
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2055

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Oct 17, 2019
Property Address	9437 BONE BLUFF DR, NAVARRE, FL 32566-2507
Document Number	0038810535
Book / Page	003881 / 000535
Instrument Date	Oct 16, 2019
Instrument	46782
Transaction Type	Transfer
Record Updated	Jan 07, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,989.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9437 BONE BLUFF DR NAVARRE FL 325662507, NAVARRE, FL 32566-2507

Mortgage

Document Number	38810537
Date	Oct 17, 2019
Book Page	003881/000537
Instrument	46783

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	Oct 16, 2049

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 20, 2017
Property Address	9437 BONE BLUFF DR, NAVARRE, FL 32566-2507
Document Number	0036341079
Book / Page	003634 / 001079
Instrument Date	Apr 27, 2017
Instrument	24729
Transaction Type	Transfer
Record Updated	Jun 27, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	9437 BONE BLUFF DR NAVARRE FL 325662507, NAVARRE, FL 32566-2507

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 20, 2017
Property Address	9437 BONE BLUFF DR, NAVARRE, FL 32566-2507
Document Number	0036341076
Book / Page	003634 / 001076
Instrument Date	Apr 25, 2017
Instrument	24728
Transaction Type	Transfer
Record Updated	Jun 27, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$676.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	9437 BONE BLUFF DR NAVARRE FL 325662507, NAVARRE, FL 32566-2507

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified April 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		$528,355 (+25.14%) Land $100,000 Building $428,355	$528,355 (+4.74%) Land $100,000 Building $428,355
2024	$344.00 (+7.5%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$422,219 (+3%)	$504,434 (+5.07%) Land $100,000 Building $404,434
2023	$320.00 (-92.9%) Homeowner's exemption	$409,921 (+3%)	$480,116 (+9.43%) Land $80,000 Building $400,116
2022	$4,504.00 Homeowner's exemption	$397,982	$438,734 Land $50,000 Building $388,734

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 X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Moderate above 63% of the US · above 39% of Florida
Wildfire Likelihood	About 1 in 529 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 and 4G LTE

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