2005 Cardinal Ln, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2005 Cardinal Ln, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,542 sqft · built 2000
Lot Size	0.459 acres (19,994 sqft)
Owner	2 Individual Names on File
Last Sale	$490,000 (Sep 2022)
Tax Bill	$4,407 (2024)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-2S-26-1920-02500-0180`

Property Details

APN / Parcel Number

Primary APN	`18-2S-26-1920-02500-0180`
Alternative APN	`S262181920025000180`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,542 sqft Living Area
Gross Area	3,330 sqft
1st Floor Area	2,542 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	19,994 sqft (0.459 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	308 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2005 CARDINAL LN
City	NAVARRE
State	FL
Zip	32566-8338
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HOLLEY BY THE SEA LOT 18 BLK 25 AS DES IN OR 4326 PG 1595
Legal Range	26W
Legal Township	2S
Legal Section	18
Legal Subdivision	HOLLEY SEA/1ST AMD
Legal Block	25
Legal Lot Number	18
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	2
Census Block	2043
Census Tract	10820

Owner

2005 Cardinal Ln is owned by two individuals who bought it in September 2022.

Source: Santa Rosa County records, as of April 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10719 GENTLE FOX BAY, SAN ANTONIO, TX 78245-3291
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2022 · Amount on File
Deed Sale	Sep 15, 2022 · Amount on File
Prior Sale	Apr 4, 2005 · Amount on File
Deed Document Number	202253501
Deed Book / Page	4326 / 1595
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 15, 2022
Property Address	2005 CARDINAL LN, NAVARRE, FL 32566-8338
Document Number	0043261595
Book / Page	4326 / 1595
Map Reference	MB B PG 155
Instrument Date	Sep 7, 2022
Instrument	202253501
Transaction Type	Transfer
Record Updated	Oct 14, 2022
Title Company	MEAD LAW AND TITLE, MEAD LAW & TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2656 ANTIETAM TRL, 2656, TALLAHASSEE, FL 32312-4841

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10719 GENTLE FOX BAY, SAN ANTONIO, TX 78245-3291

Mortgage

Document Number	0043261597
Date	Sep 15, 2022
Instrument	4326/1597

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

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

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
2025		$387,779 (+5.29%) Land $75,000 Building $312,779	$387,779 (+5.29%) Land $75,000 Building $312,779
2024	$4,407.00 (+2.32%)	$368,304 (+3.77%) Land $75,000 Building $293,304	$368,304 (+3.77%) Land $75,000 Building $293,304
2023	$4,307.00 (+19.11%)	$354,935 (+10.92%) Land $65,000 Building $289,935	$354,935 (+10.92%) Land $65,000 Building $289,935
2022	$3,616.00	$319,996	$319,996 Land $50,000 Building $269,996

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

Flood

FEMA maps place 2005 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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 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

Wildfire risk around 2005 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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