Santa Rosa County property record for 9809 Emma Way, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,020 sqft · built 1989 |
| Lot Size | 0.311 acres (13,547 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (Sep 2013) |
| Tax Bill | $170 (2024) |
| Deeds & Mortgages | Oct 2021 Mortgage Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-2S-26-3005-00100-0430 |
| Primary APN | 13-2S-26-3005-00100-0430 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,020 sqft Living Area |
| Gross Area | 2,606 sqft |
| 1st Floor Area | 2,020 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 13,547 sqft (0.311 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 28 sqft |
| Patio Area | 117 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 9809 EMMA WAY |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-3341 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | ORION LAKE LOT 43 BLK 1 AS DES IN OR 3283 PG 1889 |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 13 |
| Legal Subdivision | ORION LAKE/PHASE 2,3 |
| Legal Block | 1 |
| Legal Lot Number | 43 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 10828 |
9809 Emma Way is owned and occupied by two individuals who bought it in September 2013.
Source: Santa Rosa County records, as of March 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9809 EMMA WAY, NAVARRE, FL 32566-3341 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 27, 2021 | Deed of Trust, Mortgage · VA Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP CORP |
| Nov 2, 2020 | Deed of Trust, Mortgage · VA Mortgage MID-CONTINENT FNDG INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 3, 2013 · Amount on File |
| Deed Sale | Sep 3, 2013 · Amount on File |
| Prior Sale | Mar 13, 1997 · Amount on File |
| Deed Document Number | 201350274 |
| Deed Book / Page | 3283 / 1889 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 9809 EMMA WAY, NAVARRE, FL 32566-3341 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2021 |
| Name | Verified Name |
|---|---|
| Address | 9809 EMMA WAY, NAVARRE, FL 32566-3341 |
| Document Number | 0041990979 |
|---|---|
| Date | Oct 27, 2021 |
| Book Page | 4199/979 |
| Instrument | 202172034 |
| Name | GOLD STAR MORTGAGE FINANCIAL GROUP CORP |
|---|---|
| Type | Mortgage Company |
| Address | ANN ARBOR, MI 48108 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 9809 EMMA WAY, NAVARRE, FL 32566-3341 |
| Document Number | 0040300110 |
| Instrument Date | Nov 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 9809 EMMA WAY NAVARRE FL 325663341, NAVARRE, FL 32566-3341 |
| Document Number | 0040300110 |
|---|---|
| Date | Nov 16, 2020 |
| Book Page | 004030/000110 |
| Instrument | 61127 |
| Name | MID-CONTINENT FNDG INC |
|---|---|
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 15, 2050 |
Source: Santa Rosa County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $158,275 (+2.9%) | $287,593 (+3.07%) Land $50,000 Building $237,593 | |
| 2024 | $170.00 (+7.59%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $153,814 (+3%) | $279,039 (+4.07%) Land $50,000 Building $229,039 |
| 2023 | $158.00 (+6.04%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $149,334 (+3%) | $268,128 (+6.16%) Land $42,000 Building $226,128 |
| 2022 | $149.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $144,984 | $252,558 Land $40,000 Building $212,558 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9809 Emma Way in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2014.
Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 122 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 122 in force |
| Nearby Flood Claims | 4 (2014–2020) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
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.
Wildfire risk around 9809 Emma Way is moderate, ranking above 51% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · lower than 78% of Florida |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HOLLEY-NAVARRE WATER SYSTEM public/private · serves 47,793 people · EPA ID FL1570349 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | 6 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 421 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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