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9478 Bone Bluff Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 9478 Bone Bluff Dr, Navarre, FL 32566 · Last verified November 2025

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 3,134 sqft · built 2001
Lot Size1.37 acres (59,982 sqft)
Owner2 Individual Names on File
Last Sale$360,000 (May 2018)
Tax Bill$4,330 (2024)
Deeds & MortgagesOct 2020 Mortgage
May 2018 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN11-2S-26-5689-00700-0260

Property Details

APN / Parcel Number

Primary APN11-2S-26-5689-00700-0260

Interior

Bedrooms5 Beds
Full Baths3 Baths
Building Area3,134 sqft Heated Area
Gross Area4,814 sqft Gross Area
1st Floor Area3,878 sqft 1st Floor
Stories1 Story
FlooringCeramic Tile
Interior WallsCustom/Decorative
FireplaceFireplace
Fireplaces1 Fireplace

Exterior

Year BuiltBuilt 2001
Exterior MaterialStone
Foundation TypeMasonry
Roof MaterialShingle
Lot Area59,982 sqft (1.37 acres)
Lot Dimensions6,000 ft deep x 1,000 ft wide
Parking Spaces3 Parking Spaces
Garage Area744 sqft Garage
Deck Area552 sqft Deck
PorchOpen Porch
Porch Area384 sqft Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number112S265689007000260
Street Address9478 BONE BLUFF DR
CityNAVARRE
StateFL
Zip32566-2542
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWHISPERING PINES ESTATES LOT 26 BLK 7 AS DES IN OR 3724 PG 842 LESS ALL MINERAL RIGHTS
Legal Range26W
Legal Township02S
Legal Section11
Legal SubdivisionWHISPERING PINES ESTATES
Legal Block7
Legal Lot Number26 6
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group2
Census Block2001
Census Tract10828

Owner

Source: Santa Rosa County records · APN 11-2S-26-5689-00700-0260

Assessment roll updated July 1, 2024 · Last verified November 2025

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

Owner of Record2 Individual Names on File
Mailing Address9478 BONE BLUFF DR, NAVARRE, FL 32566-2542
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 14, 2020Deed of Trust, Mortgage · Conventional Mortgage
EVERETT FINANCIAL INC
May 03, 2018Warranty Deed, Transfer · Conventional with PMI
GUARANTEED RATE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 03, 2018 · Amount on Record
Deed SaleMay 03, 2018 · Amount on Record
Deed Document Number201817711
Deed Book / Page3724 / 0842
Record UpdatedJun 08, 2026

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address9478 BONE BLUFF DR, NAVARRE, FL 32566-2542
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address9478 BONE BLUFF DR, NAVARRE, FL 32566-2542

Mortgage

Document Number0040140413
DateOct 14, 2020
Book Page4014/413
Instrument202052979
Lender
NameEVERETT FINANCIAL INC
TypeFunding / Finance Company
AddressDALLAS, TX 75254
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2050

May 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateMay 03, 2018
Property Address9478 BONE BLUFF DR, NAVARRE, FL 32566-2542
Document Number0037240842
Book / Page003724 / 000842
Instrument DateApr 27, 2018
Instrument17711
Transaction TypeTransfer
Record UpdatedJul 10, 2018
Title CompanyRELIABLE LAND TITLE CORPORATION

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,520.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address9478 BONE BLUFF DR NAVARRE FL 325662542, NAVARRE, FL 32566-2542

Mortgage

Document Number37240846
DateMay 03, 2018
Book Page003724/000846
Instrument17714
Lender
NameGUARANTEED RATE
AddressCHICAGO, IL 60613
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueMay 02, 2048

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated July 1, 2024 · Last verified November 2025

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta 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.

YearTax BillAssessed ValueAssessed Market Value
2024$4,330.00 (+2.07%) Homeowner's exemption$391,041 (+3%)$466,435 (+2.04%) Land $90,000 Building $376,435
2023$4,242.00 (+2.56%) Homeowner's exemption$379,651 (+3%)$457,132 (+3.75%) Land $90,000 Building $367,132
2022$4,136.00 Homeowner's exemption$368,593$440,621 Land $90,000 Building $350,621

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Rosa County (12113C), updated November 18, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM

Wildfire

Wildfire RiskModerate
above 69% of the US · above 49% of Florida
Wildfire LikelihoodAbout 1 in 433 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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