Santa Rosa County property record for 2012 Cardinal Ln, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,767 sqft · built 2012 |
| Lot Size | 0.459 acres (19,994 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $475,000 (Nov 2022) |
| Tax Bill | $4,582 (2025) |
| Deeds & Mortgages | Nov 2022 Sale Nov 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-2S-26-1920-02600-0040 |
| Primary APN | 18-2S-26-1920-02600-0040 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,767 sqft Living Area |
| Gross Area | 3,626 sqft |
| 1st Floor Area | 2,767 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| 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 | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 439 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2012 CARDINAL LN |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-8337 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HOLLEY BY THE SEA LOT 4 BLK 26 AS DES IN OR 4345 PG 1327 & AS DES IN OR 4543 PG 1368 |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 18 |
| Legal Subdivision | HOLLEY SEA/1ST AMD |
| Legal Block | 26 |
| Legal Lot Number | 4 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2043 |
| Census Tract | 10820 |
Source: Santa Rosa County records, as of April 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 2012 CARDINAL LN, NAVARRE, FL 32566-8337 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Nov 18, 2022 | Warranty Deed, Transfer RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP |
| Nov 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BNC NATIONAL BANK |
| Jun 16, 2020 | Deed of Trust, Mortgage · VA Mortgage BNC NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 18, 2022 · Amount on Record |
| Deed Sale | Nov 18, 2022 · Amount on Record |
| Prior Sale | Dec 30, 2015 · Amount on Record |
| Deed Document Number | 202264298 |
| Deed Book / Page | 4345 / 1327 |
| Prior Transfer Date | May 5, 2011 |
| Prior Transfer Doc | 0030560923 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Nov 18, 2022 |
| Property Address | 2012 CARDINAL LN, NAVARRE, FL 32566-8337 |
| Document Number | 0043451327 |
| Book / Page | 4345 / 1327 |
| Map Reference | MB B PG 155 |
| Instrument Date | Nov 10, 2022 |
| Instrument | 202264298 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2022 |
| Title Company | RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,325.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 285 KINGSWOOD CIR, PINEHURST, NC 28374-6956 |
| Name | Verified Name |
|---|---|
| Address | 135 CHANEL CT, FAYETTEVILLE, GA 30215-5427 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2012 CARDINAL LN, NAVARRE, FL 32566-8337 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2012 CARDINAL LN, NAVARRE, FL 32566-8337 |
| Document Number | 0042121756 |
|---|---|
| Date | Nov 29, 2021 |
| Book Page | 4212/1756 |
| Instrument | 202178895 |
| Name | BNC NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | GLENDALE, AZ 85308 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2012 CARDINAL LN, NAVARRE, FL 32566-8337 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0039631099 |
|---|---|
| Date | Jun 16, 2020 |
| Book Page | 3963/1099 |
| Instrument | 202028851 |
| Name | BNC NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | GLENDALE, AZ 85308 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
Source: Santa Rosa County assessment roll, as of December 8, 2025
| 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 |
|---|---|---|---|
| 2025 | $4,582.00 (+2.76%) | $423,359 (+2.19%) Land $71,250 Building $352,109 | $423,359 (+2.19%) Land $71,250 Building $352,109 |
| 2024 | $4,459.00 (-8.4%) Homeowner's exemption Disabled Person's exemption | $414,291 (+3.1%) Land $71,250 Building $343,041 | $414,291 (+3.1%) Land $71,250 Building $343,041 |
| 2023 | $4,868.00 (+84.18%) Homeowner's exemption | $401,817 (+62.93%) Land $61,750 Building $340,067 | $401,817 (+6.84%) Land $61,750 Building $340,067 |
| 2022 | $2,643.00 Homeowner's exemption | $246,623 | $376,102 Land $47,500 Building $328,602 |
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 500 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 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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