1978 Pine Ranch Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 1978 Pine Ranch Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,100 sqft · built 1999
Lot Size	0.278 acres (12,153 sqft)
Owner	Individual Name on Record
Last Sale	$392,500 (Nov 2021)
Tax Bill	$4,017 (2024)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`22-2S-26-3193-00B00-0030`

Property Details

APN / Parcel Number

Primary APN	`22-2S-26-3193-00B00-0030`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,100 sqft Heated Area
Gross Area	3,103 sqft
1st Floor Area	2,520 sqft
Flooring	Laminate Plank
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2009
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	12,153 sqft (0.278 acres)
Lot Dimensions	1,370 ft deep x 640 ft wide
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	583 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	222S26319300B000030
Street Address	1978 PINE RANCH DR
City	NAVARRE
State	FL
Zip	32566-2956
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	PINE RANCH FIRST ADDITION LOT 3 BLK B AS DES IN OR 4207 PG 493
Legal Range	26W
Legal Township	02S
Legal Section	22
Legal Subdivision	PINE RANCH FIRST ADDITION
Legal Block	B
Legal Lot Number	3
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1015
Census Tract	10827

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	8955 LAUREL WAY, JOHNS CREEK, GA 30022-5940
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2021 · Amount on Record
Deed Sale	Nov 12, 2021 · Amount on Record
Prior Sale	Jul 31, 2014 · Amount on Record
Deed Document Number	202175976
Deed Book / Page	4207 / 493
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 12, 2021
Property Address	1978 PINE RANCH DR, NAVARRE, FL 32566-2956
Document Number	0042070493
Book / Page	4207 / 493
Map Reference	MB F PG 88
Instrument Date	Nov 8, 2021
Instrument	202175976
Transaction Type	Transfer
Record Updated	Dec 28, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,747.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PSC 80 BOX 13932, 13932, APO, AP 96367-0042

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8654 EL PASCO ST, NAVARRE, FL 32566-2106

Mortgage

Document Number	0004207496
Date	Nov 12, 2021
Instrument	4207/496

Lender

Name	TRIDENT HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$4,017.00 (+15.36%)	$335,260 (+3.79%) Land $70,000 Building $265,260	$335,260 (+3.79%) Land $70,000 Building $265,260
2023	$3,482.00 (+36.55%) Homeowner's exemption Veteran's exemption	$323,021 (+2.62%) Land $60,000 Building $263,021	$323,021 (+1.83%) Land $60,000 Building $263,021
2022	$2,550.00 Homeowner's exemption Veteran's exemption	$314,763	$317,208 Land $55,000 Building $262,208

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

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 248 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	271 units insured incl. 23 condo units
Nearby Flood Claims	31 (1995–2020)
Claims Outside the SFHA	7 of 31
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 15 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 2 claims Hurricane Frances, Sep 2004 · 10 claims

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None 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 System	HOLLEY-NAVARRE WATER SYSTEM public/private · serves 47,793 people · EPA ID FL1570349
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	6 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 171 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: LiveOak Fiber.

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