9648 Bone Bluff Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 9648 Bone Bluff Dr, Navarre, FL 32566 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	2 Baths
Year Built	Built 2023
Square Footage	1,718 sqft Living Area
Lot Size	224,900 sqft (5.16 acres)
Occupancy	Owner Occupied
Last Sale	$530,000 (2024)
Tax Bill	$5,121.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`11-2S-26-5689-00700-0040`
Alternative APN	`S262115689007000040`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,718 sqft Living Area
Gross Area	3,186 sqft Gross Area
1st Floor	512 sqft 1st Floor
Upper Floors	848 sqft Upper Floors
Stories	3 Stories
Primary Flooring	Wood Flooring

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2023
Exterior Material	Brick Exterior
Construction Type	Wood Construction
Roof Material	Wood Shingle Roof
Lot Area	224,900 sqft (5.16 acres)
Depth X Width	1,169 ft x 101 ft Depth x Width
Parking Spaces	7 Parking Spaces
Garage Type	Attached Garage
Garage Area	1,088 sqft Garage

Utilities and HVAC

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

Location & Zoning

Street Address	9648 BONE BLUFF DR
City	NAVARRE
State	FL
Zip	32566-2550
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	WHISPERING PINES ESTATES LOTS 4 & 5 BLK 7 AS DES IN OR 4497 PG 1981
Legal Range	26W
Legal Township	2S
Legal Section	11
Legal Subdivision	WHISPERING PINES/REV
Legal Block	7
Legal Lot Number	4
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-26-5689-00700-0040

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

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

Owner of Record	2 Individual Names on File
Mailing Address	9648 BONE BLUFF DR, NAVARRE, FL 32566-2550
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 01, 2024 · Amount on Record
Deed Sale	May 01, 2024 · Amount on Record
Prior Sale	Nov 01, 2021 · Amount on Record
Deed Doc Number	202419220
Deed Book / Page	4497 / 1981
Record Refreshed	Sep 20, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 01, 2021
Property Address	9648 BONE BLUFF DR, NAVARRE, FL 32566-2550
Document Number	0042010800
Book / Page	4201 / 800
Map Reference	MB D PG 17
Instrument Date	Oct 29, 2021
Instrument	202173038
Transaction Type	Transfer
Record Updated	Apr 16, 2024
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,366.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1320 MILITARY RD, BOGALUSA, LA 70427-2934

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	129 RAINTREE BLVD, NICEVILLE, FL 32578-3945

Mortgage

Document Number	0004201802
Date	Nov 01, 2021
Instrument	4201/802

Lender

Name	PEOPLES NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	11 Months
Due	Oct 26, 2022

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified June 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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,121.00 (+10.84%)	$429,934 (+10.86%) Land $161,000 Building $268,934	$429,934 (+10.86%) Land $161,000 Building $268,934
2024	$4,620.00 (+121.37%)	$387,823 (+140.25%) Land $126,000 Building $261,823	$387,823 (+140.25%) Land $126,000 Building $261,823
2023	$2,087.00 (+7.63%)	$161,424 (-) Land $126,000 Building $35,424	$161,424 (-) Land $126,000 Building $35,424
2022	$1,939.00	$161,424	$161,424 Land $126,000 Building $35,424

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	High above 79% of the US · above 68% of Florida
Wildfire Likelihood	About 1 in 259 per year
Exposure	Direct burnable vegetation at the parcel

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