9660 Bone Bluff Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 9660 Bone Bluff Dr, Navarre, FL 32566 · Last verified November 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,081 sqft · built 2006
Lot Size	2.62 acres (114,389 sqft)
Owner	2 Individual Names on File
Last Sale	$15,000 (May 1995)
Tax Bill	$1,906 (2024)
Deeds & Mortgages	Jul 2021 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`11-2S-26-5689-00700-0020`

Property Details

APN / Parcel Number

Primary APN	`11-2S-26-5689-00700-0020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,081 sqft Heated Area
Gross Area	2,725 sqft
1st Floor Area	2,525 sqft
Utility Area	18 sqft
Utility Room	Utility Room
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	114,389 sqft (2.62 acres)
Lot Dimensions	11,440 ft deep x 1,000 ft wide
Garage Area	444 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	72 sqft
Patio Area	110 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	112S265689007000020
Street Address	9660 BONE BLUFF DR
City	NAVARRE
State	FL
Zip	32566-2550
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISPERING PINES ESTATES LOT 2 BLK 7 AS DES IN OR 1471 PG 1397
Legal Range	26W
Legal Township	02S
Legal Section	11
Legal Subdivision	WHISPERING PINES ESTATES
Legal Block	7
Legal Lot Number	2
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	2
Census Block	2001
Census Tract	10828

Owner

Source: Santa Rosa County records · APN 11-2S-26-5689-00700-0020

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	2 Individual Names on File
Mailing Address	PO BOX 5551, NAVARRE, FL 32566-0551
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 01, 1995 · Amount on Record
Deed Sale	May 01, 1995 · Amount on Record
Deed Document Number	0014711397
Record Updated	Jun 08, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	9660 BONE BLUFF DR, NAVARRE, FL 32566-2550
Transaction Type	Mortgage
Record Updated	Aug 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9660 BONE BLUFF DR, GULF BREEZE, FL 32566-2550

Mortgage

Document Number	0041521020
Date	Jul 23, 2021
Book Page	4152/1020
Instrument	202149407

Lender

Name	REGIONS BANK
Type	Bank
Address	HURLBURT FIELD, FL 32544

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Aug 02, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$1,906.00 (+2.58%) Homeowner's exemption Disabled Person's exemption	$212,615 (+3%)	$326,981 (+0.6%) Land $90,000 Building $236,981
2023	$1,858.00 (-5.88%) Homeowner's exemption Disabled Person's exemption	$206,422 (+3.59%)	$325,036 (+3.52%) Land $90,000 Building $235,036
2022	$1,974.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$199,276	$313,992 Land $90,000 Building $223,992

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 Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 114 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	114 in force 105 of 114 on primary residences
Nearby Flood Claims	10 (2004–2024)
Claims Outside the SFHA	3 of 10
Most Recent Claim	Jun 2024, rainfall accumulation
Flood Events	Hurricane Sally (Sep 2020), 7 claims Hurricane Frances (Sep 2004), 2 claims

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.