9655 Bone Bluff Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 9655 Bone Bluff Dr, Navarre, FL 32566 · Last verified November 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2002
Square Footage	2,780 sqft Heated Area
Lot Size	50,530 sqft (1.16 acres)
Occupancy	Owner Occupied
Last Sale	$300,000 (2011)
Tax Bill	$266.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`11-2S-26-5689-00600-0010`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,780 sqft Heated Area
Gross Area	4,063 sqft Gross Area
1st Floor	2,780 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Custom/Decorative Interior Structure

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2002
Exterior Material	Brick Exterior
Construction Type	Wood Construction
Foundation Type	Masonry Foundation
Roof Material	Shingle Roof
Lot Area	50,530 sqft (1.16 acres)
Parking Spaces	3 Parking Spaces
Garage Area	750 sqft Garage
Porch	Open Porch
Porch Area	533 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air Heating

Location & Zoning

Account Number	112S265689006000010
Street Address	9655 BONE BLUFF DR
City	NAVARRE
State	FL
Zip	32566-2551
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	WHISPERING PINES ESTATES LOT 1 BLK 6 AS DES IN OR 3037 PG 314
Legal Range	26W
Legal Township	02S
Legal Section	11
Legal Subdivision	WHISPERING PINES ESTATES
Legal Block	6
Legal Lot Number	1
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-26-5689-00600-0010

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 Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	9655 BONE BLUFF DR, NAVARRE, FL 32566-2551
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	Feb 07, 2011 · Amount on Record
Deed Sale	Feb 07, 2011 · Amount on Record
Deed Doc Number	201104942
Deed Book / Page	3037 / 0314
Record Refreshed	Jun 08, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	9655 BONE BLUFF DR, NAVARRE, FL 32566-2551
Document Number	0038822077
Instrument Date	Oct 08, 2019
Transaction Type	Mortgage
Record Updated	Jan 07, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	9655 BONE BLUFF DR NAVARRE FL 325662551, NAVARRE, FL 32566-2551

Mortgage

Document Number	0038822077
Date	Oct 23, 2019
Book Page	003882/002077
Instrument	47662

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 22, 2034

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated July 1, 2024 · Last verified November 2025

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
2024	$266.00 (+7.69%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$279,815 (+3%)	$441,202 (+5.64%) Land $100,000 Building $341,202
2023	$247.00 (+6.47%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed	$271,665 (+3%)	$417,659 (+9.01%) Land $80,000 Building $337,659
2022	$232.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed	$263,752	$383,135 Land $50,000 Building $333,135

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 X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	High above 70% of the US · above 51% of Florida
Wildfire Likelihood	About 1 in 347 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.