Santa Rosa County property record for 1973 Cardinal Ln, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,670 sqft · built 1992 |
| Lot Size | 0.548 acres (23,871 sqft) |
| Owner | Owner Name on File |
| Last Sale | $85,000 (Oct 2014) |
| Tax Bill | $1,493 (2024) |
| Deeds & Mortgages | Dec 2022 Mortgage Apr 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-2S-26-1920-02500-0200 |
| Primary APN | 18-2S-26-1920-02500-0200 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,670 sqft Heated Area |
| Gross Area | 2,400 sqft |
| 1st Floor Area | 2,082 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Asphalt |
| Lot Area | 23,871 sqft (0.548 acres) |
| Garage Area | 412 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 210 sqft |
| Patio Area | 108 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 182S261920025000200 |
|---|---|
| Street Address | 1973 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 20 BLK 25 AS DES IN OR 3380 PG 632 |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 18 |
| Legal Subdivision | BY THE SEA |
| Legal Block | 25 |
| Legal Lot Number | 20 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2043 |
| Census Tract | 10820 |
The current owner of 1973 Cardinal Ln bought it in October 2014.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 1973 CARDINAL LN, NAVARRE, FL 32566-8342 |
| Occupancy | Owner Occupied |
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 |
|---|---|
| Dec 2, 2022 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 12, 2019 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC |
| Last Sale | Oct 16, 2014 · Amount on File |
|---|---|
| Deed Sale | Oct 16, 2014 · Amount on File |
| Prior Sale | Jul 2, 1997 · Amount on File |
| Deed Document Number | 201436328 |
| Deed Book / Page | 3380 / 0632 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 1973 CARDINAL LN, NAVARRE, FL 32566-8342 |
| Transaction Type | Mortgage |
| Record Updated | Dec 26, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1973 CARDINAL LN, NAVARRE, FL 32566-8342 |
| Document Number | 0043490036 |
|---|---|
| Date | Dec 2, 2022 |
| Book Page | 4349/36 |
| Instrument | 202266270 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 1973 CARDINAL LN, NAVARRE, FL 32566-8342 |
| Document Number | 0038220690 |
| Instrument Date | Apr 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 3, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1973 CARDINAL LN NAVARRE FL 325668342, NAVARRE, FL 32566-8342 |
| Document Number | 0038220690 |
|---|---|
| Date | Apr 24, 2019 |
| Book Page | 003822/000690 |
| Instrument | 16137 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 23, 2049 |
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 | $1,493.00 (+2.97%) Homeowner's exemption Disabled Person's exemption | $161,202 (+3%) | $265,412 (+4.86%) Land $75,000 Building $190,412 |
| 2023 | $1,450.00 (+3.35%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $156,507 (+3%) | $253,112 (+10.08%) Land $65,000 Building $188,112 |
| 2022 | $1,403.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $151,949 | $229,939 Land $50,000 Building $179,939 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1973 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 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 File 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.
Wildfire risk around 1973 Cardinal Ln is moderate, ranking above 62% 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 Risk | Moderate above 62% of the US · lower than 62% 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 126 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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