1991 Pine Ranch Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 1991 Pine Ranch Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,025 sqft · built 1997
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Mar 2019)
Tax Bill	$3,813 (2024)
Deeds & Mortgages	May 2021 Mortgage Apr 2020 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`22-2S-26-3193-00B00-0100`

Property Details

APN / Parcel Number

Primary APN	`22-2S-26-3193-00B00-0100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,025 sqft Heated Area
Gross Area	3,385 sqft
1st Floor Area	2,621 sqft
Flooring	Ceramic Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2007
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	850 ft deep x 990 ft wide
Garage Area	596 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	764 sqft
Deck Area	578 sqft
Shed	1 Shed
Shed Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	222S26319300B000100
Street Address	1991 PINE RANCH DR
City	NAVARRE
State	FL
Zip	32566-2959
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	PINE RANCH FIRST ADDITION LOT 10 BLK B AS DES IN OR 3808 PG 82
Legal Range	26W
Legal Township	02S
Legal Section	22
Legal Subdivision	PINE RANCH FIRST ADDITION
Legal Block	B
Legal Lot Number	10
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	2 Individual Names on Record
Mailing Address	1991 PINE RANCH DR, NAVARRE, FL 32566-2959
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 16, 2020	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Mar 4, 2019	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2019 · Amount on Record
Deed Sale	Mar 4, 2019 · Amount on Record
Prior Sale	Mar 16, 1998 · Amount on Record
Deed Document Number	201908073
Deed Book / Page	3808 / 0082
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1991 PINE RANCH DR, NAVARRE, FL 32566-2959
Transaction Type	Mortgage
Record Updated	Dec 21, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041210067
Date	May 20, 2021
Book Page	4121/67
Instrument	202133633

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 1, 2031

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1991 PINE RANCH DR, NAVARRE, FL 32566-2959
Transaction Type	Mortgage
Record Updated	Dec 21, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039391895
Date	Apr 16, 2020
Book Page	3939/1895
Instrument	202018087

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 2, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 4, 2019
Property Address	1991 PINE RANCH DR, NAVARRE, FL 32566-2959
Document Number	0038080082
Book / Page	003808 / 000082
Instrument Date	Feb 28, 2019
Instrument	8073
Transaction Type	Transfer
Record Updated	Mar 28, 2019
Title Company	EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1991 PINE RANCH DR NAVARRE FL 325662959, NAVARRE, FL 32566-2959

Mortgage

Document Number	38080084
Date	Mar 4, 2019
Book Page	003808/000084
Instrument	8074

Lender

Name	UNIVERSITY LNDG
Address	SOUTHFIELD, MI 48034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 3, 2034

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	$3,813.00 (+2.03%) Homeowner's exemption	$353,885 (+3%)	$355,837 (+3.57%) Land $70,000 Building $285,837
2023	$3,737.00 (+2.19%) Homeowner's exemption	$343,578 (+2.68%) Land $60,000 Building $283,578	$343,578 (+2.68%) Land $60,000 Building $283,578
2022	$3,657.00 Homeowner's exemption	$334,596	$334,596 Land $55,000 Building $279,596

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 500 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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