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1932 Cardinal Ln, Navarre, FL 32566 Property Records

Santa Rosa County property record for 1932 Cardinal Ln, Navarre, FL 32566

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,576 sqft · built 2006
Lot Size0.459 acres (19,994 sqft)
Owner2 Individual Names on File
Last Sale$449,900 (Sep 2021)
Tax Bill$4,191 (2024)
Deeds & MortgagesSep 2021 Sale & Mortgage
Apr 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN18-2S-26-1920-02300-0050

Property Details

APN / Parcel Number

Primary APN18-2S-26-1920-02300-0050
Alternative APN
  • S262181920023000050

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,576 sqft Living Area
Gross Area3,647 sqft
1st Floor Area2,576 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2011
Exterior MaterialBrick
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialWood Shingle
Lot Area19,994 sqft (0.459 acres)
Lot Dimensions200 ft deep x 100 ft wide
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchFinished/Open Porch
Porch Area195 sqft
Patio Area456 sqft
Shed1 Shed
Shed Area1 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address1932 CARDINAL LN
CityNAVARRE
StateFL
Zip32566-8341
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionHOLLEY BY THE SEA LOT 5 BLK 23 AS DES IN OR 4173 PG 159
Legal Range26W
Legal Township2S
Legal Section18
Legal SubdivisionHOLLEY SEA/1ST AMD
Legal Block23
Legal Lot Number5
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group2
Census Block2042
Census Tract10820

Owner

1932 Cardinal Ln is owned and occupied by two individuals who bought it in September 2021.

Source: Santa Rosa County records, as of December 8, 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 Record2 Individual Names on File
Mailing Address1932 CARDINAL LN, NAVARRE, FL 32566-8341
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 2, 2021Warranty Deed, Transfer · Conventional Mortgage
MORTGAGE ONE OF THE SOUTH INC
Apr 7, 2017Warranty Deed, Transfer · VA Mortgage
GUARANTY TR

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 2, 2021 · Amount on File
Deed SaleSep 2, 2021 · Amount on File
Prior SaleApr 7, 2017 · Amount on File
Deed Document Number202159176
Deed Book / Page4173 / 159
Prior Transfer DateDec 30, 2013
Prior Transfer Doc0033181101
Record UpdatedJun 8, 2026

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateSep 2, 2021
Property Address1932 CARDINAL LN, NAVARRE, FL 32566-8341
Document Number0041730159
Book / Page4173 / 159
Map ReferenceMB B PG 155
Instrument DateAug 27, 2021
Instrument202159176
Transaction TypeTransfer
Record UpdatedSep 29, 2021
Title CompanyRELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,149.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address416 TROUT DALE CT, 416, BEL AIR, MD 21014-2770

Transferred To (Grantee/Buyer)

NameVerified Name
Address1932 CARDINAL LN, NAVARRE, FL 32566-8341

Mortgage

Document Number4173160
DateSep 2, 2021
Instrument4173/160
Lender
NameMORTGAGE ONE OF THE SOUTH INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueSep 1, 2051

April 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateApr 7, 2017
Property Address1932 CARDINAL LN, NAVARRE, FL 32566-8341
Document Number0036130996
Book / Page003613 / 000996
Instrument DateApr 7, 2017
Instrument13637
Transaction TypeTransfer
Record UpdatedApr 24, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,925.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address8476 ALLSWORTH CT FORT GEORGE G MEADE MD 207551500, FORT GEORGE G MEADE, MD 20755-1500

Mortgage

Document Number36130999
DateApr 7, 2017
Book Page003613/000999
Instrument13638
Lender
NameGUARANTY TR
AddressPENSACOLA, FL 32502
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueApr 6, 2047

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

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
2025$399,516 (+2.9%)$413,249 (+2.12%) Land $75,000 Building $338,249
2024$4,191.00 (+1.95%) Homeowner's exemption$388,257 (+3%)$404,678 (+3.28%) Land $75,000 Building $329,678
2023$4,111.00 (+2.47%) Homeowner's exemption$376,949 (+3%)$391,821 (+7.06%) Land $65,000 Building $326,821
2022$4,012.00 Homeowner's exemption$365,970$365,970 Land $50,000 Building $315,970

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

Flood

FEMA maps place 1932 Cardinal Ln in Zone X, an area of minimal flood risk, within 500 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 500 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 1932 Cardinal Ln is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire RiskModerate
above 57% of the US · lower than 71% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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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