2040 Pine Ranch Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2040 Pine Ranch Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,547 sqft · built 1997
Lot Size	0.451 acres (19,689 sqft)
Owner	Individual Name on Record
Last Sale	$394,500 (Sep 2020)
Tax Bill	$4,219 (2024)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-2S-26-3193-00B00-0300`

Property Details

APN / Parcel Number

Primary APN	`22-2S-26-3193-00B00-0300`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,547 sqft Heated Area
Gross Area	3,470 sqft
1st Floor Area	3,031 sqft
Flooring	Laminate Plank
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2002
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	19,689 sqft (0.451 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	253 sqft
Patio Area	168 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	222S26319300B000300
Street Address	2040 PINE RANCH DR
City	NAVARRE
State	FL
Zip	32566-2951
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	PINE RANCH FIRST ADDITION LOT 30 BLK B AS DES IN OR 3999 PG 1722
Legal Range	26W
Legal Township	02S
Legal Section	22
Legal Subdivision	PINE RANCH FIRST ADDITION
Legal Block	B
Legal Lot Number	30
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	2040 PINE RANCH DR, NAVARRE, FL 32566-2951
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2020 · Amount on Record
Deed Sale	Sep 3, 2020 · Amount on Record
Prior Sale	Sep 17, 2013 · Amount on Record
Deed Document Number	202045705
Deed Book / Page	3999 / 1722
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 3, 2020
Property Address	2040 PINE RANCH DR, NAVARRE, FL 32566-2951
Document Number	0039991722
Book / Page	3999 / 1722
Map Reference	MB F PG 88
Instrument Date	Aug 21, 2020
Instrument	202045705
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,761.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2040 PINE RANCH DR, 2040, NAVARRE, FL 32566-2951

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2080 JESSICA WAY, NAVARRE, FL 32566-2946

Mortgage

Document Number	0039991725
Date	Sep 3, 2020
Instrument	3999/1725

Lender

Name	PEN AIR FEDERAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

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	$4,219.00 (-4.4%) Homeowner's exemption	$390,045 (+3.63%) Land $70,000 Building $320,045	$390,045 (+3.63%) Land $70,000 Building $320,045
2023	$4,413.00 (+5.15%)	$376,379 (+2.49%) Land $60,000 Building $316,379	$376,379 (+2.49%) Land $60,000 Building $316,379
2022	$4,197.00	$367,232	$367,232 Land $55,000 Building $312,232

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
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 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.

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