9536 Bone Bluff Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 9536 Bone Bluff Dr, Navarre, FL 32566 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	5 Beds
Bathrooms	5 Baths
Year Built	Built 1999
Square Footage	3,409 sqft Living Area
Lot Size	39,160 sqft (0.899 acres)
Occupancy	Owner Occupied
Last Sale	$395,000 (2016)
Tax Bill	$4,120.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`11-2S-26-5689-00700-0190`
Alternative APN	`S262115689007000190`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Building Area	3,409 sqft Living Area
Gross Area	4,325 sqft Gross Area
1st Floor	1,994 sqft 1st Floor
Upper Floors	1,175 sqft Upper Floors
Stories	2 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Wood Construction
Foundation Type	No Foundation Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Wood Shingle Roof
Lot Area	39,160 sqft (0.899 acres)
Depth X Width	350 ft x 112 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	528 sqft Garage
Deck Area	100 sqft Deck
Porch Area	388 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	9536 BONE BLUFF DR
City	NAVARRE
State	FL
Zip	32566-2544
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	WHISPERING PINES ESTATES LOTS 18 & 19 BLK 7 ALL AS DES IN OR 3527 PG 696 (ADDED LOT 18 PER REQ DTD 2/21/13)
Legal Range	26W
Legal Township	2S
Legal Section	11
Legal Subdivision	WHISPERING PINES/REV
Legal Block	7
Legal Lot Number	19
Jurisdiction	SANTA ROSA FL
Minor Civil Division	HOLLEY-NAVARRE
Census Blockgroup	2
Census Block	2001
Census Tract	10828

Owner

Source: Santa Rosa County records · APN 11-2S-26-5689-00700-0190

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

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

Owner of Record	Individual Name on File
Mailing Address	9536 BONE BLUFF DR, NAVARRE, FL 32566-2544
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 08, 2016 · Amount on Record
Deed Sale	Jun 08, 2016 · Amount on Record
Prior Sale	Jul 25, 2012 · Amount on Record
Deed Doc Number	201621940
Deed Book / Page	3527 / 696
Record Refreshed	Jun 08, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	9536 BONE BLUFF DR, NAVARRE, FL 32566-2544
Document Number	0039350769
Instrument Date	Mar 26, 2020
Transaction Type	Mortgage
Record Updated	Jun 09, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	9536 BONE BLUFF DR NAVARRE FL 325662544, NAVARRE, FL 32566-2544

Mortgage

Document Number	0039350769
Date	Apr 02, 2020
Book Page	003935/000769
Instrument	15977

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2050

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified May 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	$4,120.00 (+3.57%) Homeowner's exemption	$373,499 (+2.9%)	$528,121 (+10.47%) Land $149,500 Building $378,621
2024	$3,978.00 (+2.08%) Homeowner's exemption	$362,973 (+3%)	$478,059 (+0.84%) Land $117,000 Building $361,059
2023	$3,897.00 (+2.58%) Homeowner's exemption	$352,401 (+3%)	$474,095 (+3.37%) Land $117,000 Building $357,095
2022	$3,799.00 Homeowner's exemption	$342,137	$458,641 Land $117,000 Building $341,641

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 Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM

Wildfire

Wildfire Risk	Moderate above 69% of the US · above 49% of Florida
Wildfire Likelihood	About 1 in 433 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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