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9561 Bone Bluff Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 9561 Bone Bluff Dr, Navarre, FL 32566 · Last verified November 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,818 sqft · built 1987
Lot Size1.07 acres (46,609 sqft)
OwnerIndividual Name on File
Last Sale$286,000 (Jul 2023)
Tax Bill$4,217 (2024)
Deeds & MortgagesSep 2025 Line of Credit
Jul 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN11-2S-26-5689-00500-0120

Property Details

APN / Parcel Number

Primary APN11-2S-26-5689-00500-0120

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,818 sqft Heated Area
Gross Area4,569 sqft
1st Floor Area2,390 sqft
Upper Floors Area315 sqft
Attic Area384 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1992
Exterior MaterialWood Siding
Construction TypeWood
Foundation TypeMasonry
Roof MaterialShingle
Lot Area46,609 sqft (1.07 acres)
Garage TypeMixed
Garage Area572 sqft
Parking Spaces4 Parking Spaces
PorchPorch
Porch Area376 sqft
Deck Area432 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number112S265689005000120
Street Address9561 BONE BLUFF DR
CityNAVARRE
StateFL
Zip32566-2545
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWHISPERING PINES ESTATES LOT 12 BLK 5 AS DES IN OR 4412 PG 1138
Legal Range26W
Legal Township02S
Legal Section11
Legal SubdivisionWHISPERING PINES ESTATES
Legal Block5
Legal Lot Number12 2
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group2
Census Block2003
Census Tract10828

Owner

Source: Santa Rosa County records · APN 11-2S-26-5689-00500-0120

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address9561 BONE BLUFF DR, NAVARRE, FL 32566-2545
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 03, 2025Deed of Trust, Mortgage · Line of Credit
EGLIN FCU
Jul 06, 2023Warranty Deed, Transfer · VA Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 06, 2023 · Amount on Record
Deed SaleJul 06, 2023 · Amount on Record
Deed Document Number202330243
Deed Book / Page4412 / 1138
Record UpdatedJun 08, 2026

September 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address9561 BONE BLUFF DR, NAVARRE, FL 32566-2545
Transaction TypeMortgage
Record UpdatedOct 13, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address9561 BONE BLUFF DR, NAVARRE, FL 32566-2545

Mortgage

Document Number0046540550
DateSep 03, 2025
Book Page4654/550
Instrument202540859
Lender
NameEGLIN FCU
TypeCredit Union
AddressFORT WALTON BEACH, FL 32547
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueSep 02, 2055
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

July 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateJul 06, 2023
Property Address9561 BONE BLUFF DR, NAVARRE, FL 32566-2545
Document Number0044121138
Book / Page4412 / 1138
Map ReferenceMB D PG 17
Instrument DateJun 23, 2023
Instrument202330243
Transaction TypeTransfer
Record UpdatedAug 08, 2023
Title CompanyFAIRWATER TITLE COMPANY LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,002.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2413 CORTEZ CT, NAVARRE, FL 32566-8691

Transferred To (Grantee/Buyer)

NameVerified Name
Address3561 BONE BLUFF DRIVE, NAVARRE, FL 32566

Mortgage

Document Number0044121141
DateJul 06, 2023
Instrument4412/1141
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2053

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$4,217.00 (+15.28%)$344,436 (+8.88%) Land $100,000 Building $244,436$344,436 (+8.88%) Land $100,000 Building $244,436
2023$3,658.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$316,353 (+74.45%) Land $80,000 Building $236,353$316,353 (+20.55%) Land $80,000 Building $236,353
2022Homeowner's exemption Disabled Person's exemption Veteran's exemption$181,348$262,416 Land $50,000 Building $212,416

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 114 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies114 in force
Nearby Flood Claims10 (2004–2024)
Claims Outside the SFHA3 of 10
Most Recent ClaimJun 2024, rainfall accumulation
Claims By Storm
  • Hurricane Sally, Sep 2020 · 7 claims
  • Hurricane Frances, Sep 2004 · 2 claims

Wildfire

Wildfire RiskModerate
above 65% of the US · above 42% of Florida
Wildfire LikelihoodAbout 1 in 483 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 60 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
Mediacom CommunicationsCable1,000 / 50
VerizonFixed Wireless300 / 20

May also be available at this address: Mediacom Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

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