Condo in Navarre, Santa Rosa County, FL · 45 units · built 1985
Emerald Surf
8245 Gulf Blvd, Navarre, FL 32566
Overview
Emerald Surf is a beachfront community known for its quiet, uncrowded location, stunning ocean views, and family-friendly atmosphere with a heated pool. While the majority of visitors highlight the clean and well-stocked units, some individual units experience deferred maintenance needs such as outdated interiors or minor fixture repairs. Common areas and pool facilities occasionally undergo upkeep, and parking is noted to be somewhat tight. Overall, it remains a favored destination for a relaxing beach getaway.
Overview compiled from public sources — verify details independently.
At a glance
Facts, not verdicts- Structure
- Built 1985
- Milestone
- Inspection applies
- Flood
- Being verified
- Wind
- Being verified
- Fees
- Being verified
- Reviews
- 4 themes
45 residential units on record.
Is Emerald Surf safe? Structure & milestone status
Applicability is a factual classification — it does not indicate that any inspection is overdue or that a building has a problem.
What are the HOA fees at Emerald Surf?
Fee information for this building is being verified from public records.
Local condo market — Navarre, FL 32566
ZIP-level market snapshot from Redfin public data · updated monthly
What is the flood risk at Emerald Surf?
Flood and wind exposure for this building are being verified from FEMA and county records.
Permits & activity
Permit activity is being compiled from the county building department index.
What residents say about living at Emerald Surf
What works
What doesn't
Ongoing, not one-off
- Maintenance — raised repeatedly, 2020-2025
- Parking — raised repeatedly, 2021
Aggregated from public reviews. No individuals are named.
Get the full building report
We're compiling special-assessment history, reserve funding status, and structural-safety records for this building. Get notified when the full safety & financial report is ready.
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Frequently asked
Is Emerald Surf safe to live in?
Aedificio doesn't grade or judge buildings. What we can tell you is factual, and as a building of 3+ stories it falls under Florida SB 4-D milestone-inspection requirements. Applicability is a regulatory classification and does not indicate any problem. For a professional assessment, consult a licensed inspector.
What are the HOA fees at Emerald Surf?
We're verifying this building's fee information from public records. Sign up above to be notified when it's published.
Does Emerald Surf require a milestone inspection?
Yes — as a building of three or more stories it is within the class covered by Florida SB 4-D milestone inspections. This is a factual classification about the building class; Aedificio does not publish whether an inspection is complete or overdue.
Can you get a mortgage on a condo here?
Condo mortgage eligibility depends on the project's "warrantability" (Fannie Mae / Freddie Mac criteria: owner-occupancy, reserves, litigation, insurance). Aedificio surfaces the public inputs; your lender makes the warrantability determination.
Is Emerald Surf in a flood zone?
We're verifying this building's FEMA flood-zone designation. Sign up to be notified.