Santa Rosa County property record for 1933 Cardinal Ln, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,010 sqft · built 2005 |
| Lot Size | 0.458 acres (19,994 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $317,200 (Jul 2005) |
| Tax Bill | $3,003 (2024) |
| Deeds & Mortgages | Jan 2017 Mortgage Jul 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-2S-26-1920-02400-0160 |
| Primary APN | 18-2S-26-1920-02400-0160 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,010 sqft Heated Area |
| Gross Area | 3,799 sqft |
| 1st Floor Area | 3,491 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Lot Area | 19,994 sqft (0.458 acres) |
| Lot Dimensions | 2,000 ft deep x 1,000 ft wide |
| Garage Area | 481 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 92 sqft |
| Patio Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 182S261920024000160 |
|---|---|
| Street Address | 1933 CARDINAL LN |
| City | NAVARRE |
| State | FL |
| Zip | 32566-8342 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HOLLEY BY THE SEA LOT 16 BLK 24 AS DES IN OR 2476 PG 1819 |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 18 |
| Legal Subdivision | BY THE SEA |
| Legal Block | 24 |
| Legal Lot Number | 16 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2044 |
| Census Tract | 10820 |
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 Record | 2 Owner Names on Record |
|---|---|
| Mailing Address | 1933 CARDINAL LN, NAVARRE, FL 32566-8342 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Jan 3, 2017 | Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK |
| Jul 31, 2019 | Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 18, 2005 · Amount on Record |
| Deed Sale | Jul 18, 2005 · Amount on Record |
| Prior Sale | Jun 22, 2004 · Amount on Record |
| Deed Document Number | 200546212 |
| Deed Book / Page | 2476 / 1819 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 1933 CARDINAL LN, NAVARRE, FL 32566-8342 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0035880162 |
|---|---|
| Date | Jan 3, 2017 |
| Book Page | 3588/0162 |
| Instrument | 201700005 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Dec 15, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 1933 CARDINAL LN, NAVARRE, FL 32566-8342 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0038550066 |
|---|---|
| Date | Jul 31, 2019 |
| Book Page | 3855/0066 |
| Instrument | 201933159 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 19, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Santa Rosa County assessment roll, as of July 1, 2024
| 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 |
|---|---|---|---|
| 2024 | $3,003.00 (+2.25%) Homeowner's exemption | $281,532 (+3%) | $440,450 (+3%) Land $75,000 Building $365,450 |
| 2023 | $2,937.00 (+2.69%) Homeowner's exemption | $273,332 (+3%) | $427,630 (+8.81%) Land $65,000 Building $362,630 |
| 2022 | $2,860.00 Homeowner's exemption | $265,371 | $393,000 Land $50,000 Building $343,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 215 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 215 in force |
| Nearby Flood Claims | 1 (2020) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 71% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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 | MIDWAY WATER SYSTEM, INC. serves 21,196 people · EPA ID FL1570470 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 184 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
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