2021 Pine Ranch Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2021 Pine Ranch Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,011 sqft · built 1996
Lot Size	0.342 acres (14,941 sqft)
Owner	Individual Name on Record
Last Sale	$535,000 (Nov 2022)
Tax Bill	$4,428 (2024)
Deeds & Mortgages	Nov 2025 Mortgage Nov 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-2S-26-3193-00B00-0180`

Property Details

APN / Parcel Number

Primary APN	`22-2S-26-3193-00B00-0180`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,011 sqft Heated Area
Gross Area	3,876 sqft
1st Floor Area	3,452 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2001
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	14,941 sqft (0.342 acres)
Lot Dimensions	1,560 ft deep x 730 ft wide
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	24 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	222S26319300B000180
Street Address	2021 PINE RANCH DR
City	NAVARRE
State	FL
Zip	32566-2952
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	PINE RANCH FIRST ADDITION LOT 18 BLK B AS DES IN OR 4345 PG 825
Legal Range	26W
Legal Township	02S
Legal Section	22
Legal Subdivision	PINE RANCH FIRST ADDITION
Legal Block	B
Legal Lot Number	18
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	2021 PINE RANCH DR, NAVARRE, FL 32566-2952
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage PEN AIR FCU
Nov 17, 2022	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 10, 2019	Warranty Deed, Transfer · Conventional Mortgage NATIONAL BANK OF KANSAS CITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2022 · Amount on Record
Deed Sale	Nov 17, 2022 · Amount on Record
Prior Sale	Jun 10, 2019 · Amount on Record
Deed Document Number	202264172
Deed Book / Page	4345 / 825
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2021 PINE RANCH DR, NAVARRE, FL 32566-2952
Transaction Type	Mortgage
Record Updated	Dec 4, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2021 PINE RANCH DR, NAVARRE, FL 32566-2952

Mortgage

Document Number	0046780001
Date	Nov 10, 2025
Book Page	4678/1
Instrument	202552909

Lender

Name	PEN AIR FCU
Type	Credit Union
Address	PENSACOLA, FL 32514

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 17, 2022
Property Address	2021 PINE RANCH DR, NAVARRE, FL 32566-2952
Document Number	0043450825
Book / Page	4345 / 825
Map Reference	MB F PG 88
Instrument Date	Nov 4, 2022
Instrument	202264172
Transaction Type	Transfer
Record Updated	Dec 23, 2022
Title Company	RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,745.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	134 LOST CREEK TRL, CRAWFORDVILLE, FL 32327-1864

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2021 PINE RANCH DR, NAVARRE, FL 32566-2952

Mortgage

Document Number	0004345827
Date	Nov 17, 2022
Instrument	4345/827

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 10, 2019
Property Address	2021 PINE RANCH DR, NAVARRE, FL 32566-2952
Document Number	0038371209
Book / Page	3837 / 1209
Map Reference	MB F PG 88
Instrument Date	Jun 3, 2019
Instrument	201924116
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1616 RHEM AVE, 1616, NEW BERN, NC 28560-5410

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2021 PINE RANCH DR, NAVARRE, FL 32566-2952

Mortgage

Document Number	0038371213
Date	Jun 10, 2019
Instrument	3837/1213

Lender

Name	NATIONAL BANK OF KANSAS CITY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 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	$4,428.00 (+1.93%) Homeowner's exemption	$407,398 (+3%)	$409,448 (+3.52%) Land $70,000 Building $339,448
2023	$4,344.00 (+37.42%) Homeowner's exemption Disabled Person's exemption	$395,532 (+35.38%) Land $60,000 Building $335,532	$395,532 (+4.99%) Land $60,000 Building $335,532
2022	$3,161.00 Homeowner's exemption Disabled Person's exemption	$292,172	$376,749 Land $55,000 Building $321,749

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 minimal risk
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 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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.

Nearby Properties on Pine Ranch Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures