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9527 Monaco Cir, Navarre, FL 32566 Property Records

Santa Rosa County property record for 9527 Monaco Cir, Navarre, FL 32566

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,369 sqft · built 1993
Lot Size0.564 acres (24,568 sqft)
Owner2 Individual Names on File
Last Sale$590,000 (Aug 2019)
Tax Bill$215 (2024)
Deeds & MortgagesApr 2021 Mortgage
Aug 2019 Sale & Mortgage
Flood ZoneZone X (moderate risk)
APN23-2S-26-3415-00000-0180

Property Details

APN / Parcel Number

Primary APN23-2S-26-3415-00000-0180
Alternative APN
  • S262233415000000180

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,369 sqft Living Area
Gross Area3,288 sqft
1st Floor Area2,369 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1993
Effective Year BuiltEffective 2008
Exterior MaterialWood
Construction TypeWood
Foundation TypeMasonry
Roof TypeGable/Hip
Roof MaterialWood Shingle
Lot Area24,568 sqft (0.564 acres)
Lot Dimensions300 ft deep x 86 ft wide
View / LotSound
Garage TypeAttached
Garage Area594 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area325 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address9527 MONACO CIR
CityNAVARRE
StateFL
Zip32566-2922
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionRIVIERA BEACH LOT 18 LESS PORT OF LOT 18 DES AS: BEG AT SW CORN OF SUB (REFERRED TO AS PT A) THN N54*34'55E 118.04 FT TO E LN OF LOT 18 & TH POB THN THN S2*49'35W ON E LN 74.31 FT TO PT B THN CONT 33 FT +/ - TO SHRLN OF SANTA ROSA SOUND THN MEANDER N
Legal Range26W
Legal Township2S
Legal Section23
Legal SubdivisionRIVIERA BEACH
Legal Lot Number18
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group1
Census Block1009
Census Tract10827

Owner

9527 Monaco Cir is owned and occupied by two individuals who bought it in August 2019.

Source: Santa Rosa County records, as of May 21, 2026

Owner of Record2 Individual Names on File
Mailing Address9527 MONACO CIR, NAVARRE, FL 32566-2922
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Apr 30, 2021Deed of Trust, Mortgage · VA Mortgage
BROKER SOLUTIONS INC
Aug 5, 2019Warranty Deed, Transfer · VA Mortgage
CENTENNIAL BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 5, 2019 · Amount on File
Deed SaleAug 5, 2019 · Amount on File
Prior SaleJan 26, 2015 · Amount on File
Deed Document Number201934001
Deed Book / Page3856 / 1468
Prior Transfer DateJan 26, 2005
Prior Transfer Doc0024020290
Record UpdatedOct 29, 2026

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address9527 MONACO CIR, NAVARRE, FL 32566-2922
Transaction TypeMortgage
Record UpdatedMar 6, 2023
Title CompanyGUARANTEE TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address9527 MONACO CIR, NAVARRE, FL 32566-2922

Mortgage

Document Number0041111290
DateApr 30, 2021
Book Page4111/1290
Instrument202128732
Lender
NameBROKER SOLUTIONS INC
TypeMortgage Company
AddressTUSTIN, CA 92780
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueMay 1, 2051

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateAug 5, 2019
Property Address9527 MONACO CIR, NAVARRE, FL 32566-2922
Document Number0038561468
Book / Page3856 / 1468
Map ReferenceMB E PG 73
Instrument DateAug 1, 2019
Instrument201934001
Transaction TypeTransfer
Record UpdatedMay 2, 2022
Title CompanyBRADLEY TITLE LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,130.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9527 MONACO CIR, 9527, NAVARRE, FL 32566-2922

Transferred To (Grantee/Buyer)

NameVerified Name
Address9527 MONACO CIR, NAVARRE, FL 32566-2922

Mortgage

Document Number0038561470
DateAug 5, 2019
Instrument3856/1470
Lender
NameCENTENNIAL BANK
TypeBank
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueAug 1, 2049

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$505,623 (+2.9%)$543,377 (+3.56%) Land $180,600 Building $362,777
2024$215.00 (+7.5%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$491,373 (+3%)$524,698 (+1.47%) Land $180,600 Building $344,098
2023$200.00 (+6.38%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed$477,061 (+3%)$517,100 (+1.48%) Land $180,600 Building $336,500
2022$188.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed$463,166$509,536 Land $180,600 Building $328,936

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

Flood

FEMA maps place 9527 Monaco Cir in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 248 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies271 units insured
incl. 23 condo units
Nearby Flood Claims31 (1995–2020)
Claims Outside the SFHA7 of 31
Most Recent ClaimSep 2020 · Hurricane Sally
Claims by Event
  • Hurricane Sally, Sep 2020 · 15 claims
  • Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 2 claims
  • Hurricane Frances, Sep 2004 · 10 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

The area around 9527 Monaco Cir has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within ember reach

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 SystemHOLLEY-NAVARRE WATER SYSTEM
public/private · serves 47,793 people · EPA ID FL1570349
Water SourceGroundwater
Last State InspectionOct 2025
Lead6 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 125 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL · Fixed Wireless in parts of the area		5,000 / 5,000
Mediacom Xtream
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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