9539 Monaco Cir, Navarre, FL 32566 Property Records

Santa Rosa County property record for 9539 Monaco Cir, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 4,173 sqft · built 2002
Lot Size	0.573 acres (24,960 sqft)
Owner	Individual Name on File
Last Sale	$532,500 (Mar 2009)
Tax Bill	$7,297 (2024)
Deeds & Mortgages	Nov 2021 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`23-2S-26-3415-00000-0160`

Property Details

APN / Parcel Number

Primary APN	`23-2S-26-3415-00000-0160`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	4,173 sqft Heated Area
Gross Area	5,571 sqft
1st Floor Area	5,111 sqft
Upper Floors Area	1,356 sqft
Flooring	Ceramic Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Metal
Lot Area	24,960 sqft (0.573 acres)
Lot Dimensions	2,400 ft deep x 1,050 ft wide
Garage Area	938 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	460 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	232S263415000000160
Street Address	9539 MONACO CIR
City	NAVARRE
State	FL
Zip	32566-2922
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	RIVIERA BEACH LOT 16 AS DES IN OR 2885 PG 358
Legal Range	26W
Legal Township	02S
Legal Section	23
Legal Subdivision	RIVIERA BEACH
Legal Lot Number	16
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1009
Census Tract	10827

Owner

9539 Monaco Cir is owned and occupied by an individual who bought it in March 2009.

Source: Santa Rosa County records, as of October 27, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	9539 MONACO CIR, NAVARRE, FL 32566-2922
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2009 · Amount on File
Deed Sale	Mar 5, 2009 · Amount on File
Prior Sale	Jun 30, 1999 · Amount on File
Deed Document Number	200907117
Deed Book / Page	2885 / 0358
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	9539 MONACO CIR, NAVARRE, FL 32566-2922
Transaction Type	Mortgage
Record Updated	Dec 27, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	899 S OYSTER BAY RD, BETHPAGE, NY 11714-1030

Mortgage

Document Number	0042031756
Date	Nov 4, 2021
Book Page	4203/1756
Instrument	202174229

Lender

Name	BETHPAGE FCU
Type	Credit Union
Address	BETHPAGE, NY 11714

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	357 Months
Due	Aug 28, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$7,297.00 (+1.8%) Homeowner's exemption	$647,592 (+3%)	$861,828 (+0.87%) Land $220,500 Building $641,328
2023	$7,168.00 (+2.34%) Homeowner's exemption	$628,730 (+3%)	$854,377 (+3.25%) Land $220,500 Building $633,877
2022	$7,004.00 Homeowner's exemption	$610,417	$827,474 Land $220,500 Building $606,974

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

Flood

FEMA maps place 9539 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 Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 248 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	271 units insured incl. 23 condo units
Nearby Flood Claims	31 (1995–2020)
Claims Outside the SFHA	7 of 31
Most Recent Claim	Sep 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

Wildfire risk around 9539 Monaco Cir is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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 System	HOLLEY-NAVARRE WATER SYSTEM public/private · serves 47,793 people · EPA ID FL1570349
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	6 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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

Provider	Max 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