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1848 Cardinal Ln, Navarre, FL 32566 Property Records

Santa Rosa County property record for 1848 Cardinal Ln, Navarre, FL 32566

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,655 sqft · built 2006
Lot Size0.458 acres (19,994 sqft)
OwnerIndividual Name on File
Last Sale$410,000 (Mar 2022)
Tax Bill$4,035 (2024)
Deeds & MortgagesMar 2022 Sale & Mortgage
Sep 2021 Foreclosure
Flood ZoneZone X (minimal risk)
APN18-2S-26-1920-00500-0050

Property Details

APN / Parcel Number

Primary APN18-2S-26-1920-00500-0050

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,655 sqft Heated Area
Gross Area3,246 sqft
1st Floor Area3,075 sqft
FlooringCarpet
Interior WallsCustom/Decorative

Exterior

Year BuiltBuilt 2006
Exterior MaterialBrick
Construction TypeWood
Foundation TypeMasonry
Roof MaterialShingle
Lot Area19,994 sqft (0.458 acres)
Lot Dimensions2,000 ft deep x 1,000 ft wide
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area51 sqft
Patio Area120 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number182S261920005000050
Street Address1848 CARDINAL LN
CityNAVARRE
StateFL
Zip32566-8375
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionHOLLEY BY THE SEA LOT 5 BLK 5 AS DES IN OR 4262 PG 498
Legal Range26W
Legal Township02S
Legal Section18
Legal SubdivisionBY THE SEA
Legal Block5
Legal Lot Number5
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group2
Census Block2045
Census Tract10820

Owner

1848 Cardinal Ln is owned and occupied by an individual who bought it in March 2022.

Source: Santa Rosa County records, as of October 27, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on File
Mailing Address1848 CARDINAL LN, NAVARRE, FL 32566-8375
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 23, 2022Warranty Deed, Transfer · VA Mortgage
PRIMELENDING
Sep 21, 2021Public Action, Foreclosure

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 23, 2022 · Amount on File
Deed SaleMar 23, 2022 · Amount on File
Prior SaleSep 21, 2021 · Amount on File
Deed Document Number202217468
Deed Book / Page4262 / 498
Record UpdatedJun 8, 2026

March 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateMar 23, 2022
Property Address1848 CARDINAL LN, NAVARRE, FL 32566-8375
Document Number0042620498
Book / Page4262 / 498
Map ReferenceMB B PG 155
Instrument DateMar 22, 2022
Instrument202217468
Transaction TypeTransfer
Record UpdatedSep 30, 2025
Title CompanyMTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,870.00
Amount AccuracyFull Amount Stated
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address300 W NINE MILE RD, PENSACOLA, FL 32534-1818

Transferred To (Grantee/Buyer)

NameVerified Name
Address1848 CARDINAL LN, NAVARRE, FL 32566-8375

Mortgage

Document Number0004262500
DateMar 23, 2022
Instrument4262/500
Lender
NamePRIMELENDING
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueApr 1, 2052

September 2021: Public Action, Foreclosure

Document TypePublic Action
JurisdictionSANTA ROSA FL
Recording DateSep 21, 2021
Property Address1848 CARDINAL LN, NAVARRE, FL 32566-8375
Document Number0041810235
Book / Page4181 / 235
Map ReferenceOR 2608 PG 397
Instrument DateSep 21, 2021
Instrument202163067
Transaction TypeForeclosure
Record UpdatedOct 15, 2021

Transaction

AmountAmount on Record
Tax$1,684.90
Amount AccuracyTax Sale
Additional
  • Lis Pendens

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3000 W NINE MILE RD, PENSACOLA, FL 32534-9473

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2024$4,035.00 (+1.97%) Homeowner's exemption$374,872 (+3%)$376,429 (+3.43%) Land $75,000 Building $301,429
2023$3,957.00 (-4.4%)$363,953 (+7.36%) Land $65,000 Building $298,953$363,953 (+7.36%) Land $65,000 Building $298,953
2022$4,139.00$338,992$338,992 Land $50,000 Building $288,992

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1848 Cardinal Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 215 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies215 in force
Nearby Flood Claims1 (2020)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 2020 · Hurricane Sally

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

Wildfire risk around 1848 Cardinal Ln is moderate, ranking above 42% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 42% of the US · lower than 86% of Florida
Wildfire Likelihood0.08% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemMIDWAY WATER SYSTEM, INC.
serves 21,196 people · EPA ID FL1570470
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 184 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Mediacom Xtream
Cable		1,000 / 50

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