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9612 Bone Bluff Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 9612 Bone Bluff Dr, Navarre, FL 32566 · Last verified November 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,538 sqft · built 1997
Lot Size2.1 acres (91,563 sqft)
OwnerIndividual Name on File
Last Sale$265,000 (Aug 2020)
Tax Bill$3,216 (2024)
Deeds & MortgagesAug 2020 Sale & Mortgage
Oct 2019 Sale & Mortgage
+ 1 more
Flood ZoneZone AE (high risk)
APN11-2S-26-5689-00700-0100

Property Details

APN / Parcel Number

Primary APN11-2S-26-5689-00700-0100

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,538 sqft Heated Area
Gross Area2,140 sqft
1st Floor Area1,979 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 2002
Exterior MaterialBrick
Construction TypeWood
Foundation TypeMasonry
Roof MaterialShingle
Lot Area91,563 sqft (2.1 acres)
Lot Dimensions8,980 ft deep x 1,020 ft wide
Garage Area441 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area96 sqft
Deck Area1 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number112S265689007000100
Street Address9612 BONE BLUFF DR
CityNAVARRE
StateFL
Zip32566-2550
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWHISPERING PINES ESTATES LOT 10 BLK 7 AS DES IN OR 3994 PG 456
Legal Range26W
Legal Township02S
Legal Section11
Legal SubdivisionWHISPERING PINES ESTATES
Legal Block7
Legal Lot Number10
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group2
Census Block2001
Census Tract10828

Owner

Source: Santa Rosa County records · APN 11-2S-26-5689-00700-0100

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 Address9612 BONE BLUFF DR, NAVARRE, FL 32566-2550
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 24, 2020Warranty Deed, Transfer · VA Mortgage
BANK OF ENGLAND
Oct 16, 2019Warranty Deed, Transfer · FHA Mortgage
PRIME LNDG
Jul 31, 2017Warranty Deed, Transfer · VA Mortgage
VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 24, 2020 · Amount on Record
Deed SaleAug 24, 2020 · Amount on Record
Prior SaleOct 16, 2019 · Amount on Record
Deed Document Number202043179
Deed Book / Page3994 / 456
Record UpdatedJun 08, 2026

August 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateAug 24, 2020
Property Address9612 BONE BLUFF DR, NAVARRE, FL 32566-2550
Document Number0039940456
Book / Page3994 / 456
Map ReferenceMB D PG 17
Instrument DateAug 06, 2020
Instrument202043179
Transaction TypeTransfer
Record UpdatedDec 14, 2021
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,855.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1045 YELLOWSTONE PASS, 1045, CANTONMENT, FL 32533-4563

Transferred To (Grantee/Buyer)

NameVerified Name
Address9612 BONE BLUFF DR, NAVARRE, FL 32566-2550

Mortgage

Document Number0003994459
DateAug 24, 2020
Instrument3994/459
Lender
NameBANK OF ENGLAND
TypeBank
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2050

October 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateOct 16, 2019
Property Address9612 BONE BLUFF DR, NAVARRE, FL 32566-2550
Document Number0038801321
Book / Page003880 / 001321
Instrument DateOct 09, 2019
Instrument46534
Transaction TypeTransfer
Record UpdatedJan 08, 2020
Title CompanyNATIONWIDE TITLE CLEARING INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,610.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address9612 BONE BLUFF DR NAVARRE FL 325662550, NAVARRE, FL 32566-2550

Mortgage

Document Number38801322
DateOct 16, 2019
Book Page003880/001322
Instrument46535
Lender
NamePRIME LNDG
AddressDALLAS, TX 75252
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueOct 15, 2049

July 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateJul 31, 2017
Property Address9612 BONE BLUFF DR, NAVARRE, FL 32566-2550
Document Number0036470574
Book / Page003647 / 000574
Instrument DateJul 28, 2017
Instrument30980
Transaction TypeTransfer
Record UpdatedAug 15, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,400.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address9212 BONE BLUFF DR GULF BREEZE FL 32566, GULF BREEZE, FL 32566

Mortgage

Document Number36470577
DateJul 31, 2017
Book Page003647/000577
Instrument30981
Lender
NameVETERANS UNITED HM LNS
TypeFunding / Finance Company
AddressCOLUMBIA, MO 65203
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 30, 2047

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$3,216.00 (+0.59%)$269,495 (+0.8%) Land $90,000 Building $179,495$269,495 (+0.8%) Land $90,000 Building $179,495
2023$3,197.00 (+4.82%)$267,346 (+1.66%) Land $90,000 Building $177,346$267,346 (+1.66%) Land $90,000 Building $177,346
2022$3,050.00$262,976$262,976 Land $90,000 Building $172,976

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 AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 114 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies114 in force
105 of 114 on primary residences
Nearby Flood Claims10 (2004–2024)
Claims Outside the SFHA3 of 10
Most Recent ClaimJun 2024, rainfall accumulation
Flood Events
  • Hurricane Sally (Sep 2020), 7 claims
  • Hurricane Frances (Sep 2004), 2 claims

Wildfire

Wildfire RiskHigh
above 78% of the US · above 66% of Florida
Wildfire LikelihoodAbout 1 in 279 per year
ExposureDirect
burnable vegetation at the parcel

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.

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