2043 Pine Ranch Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2043 Pine Ranch Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,285 sqft · built 1996
Lot Size	0.255 acres (11,151 sqft)
Owner	Individual Name on Record
Last Sale	$405,000 (Jul 2024)
Tax Bill	$1,815 (2024)
Deeds & Mortgages	Oct 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-2S-26-3193-00B00-0210`

Property Details

APN / Parcel Number

Primary APN	`22-2S-26-3193-00B00-0210`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,285 sqft Heated Area
Gross Area	3,222 sqft
1st Floor Area	2,726 sqft
Flooring	Laminate Plank
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	11,151 sqft (0.255 acres)
Lot Dimensions	1,240 ft deep x 900 ft wide
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	116 sqft
Patio Area	380 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	222S26319300B000210
Street Address	2043 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 21 BLK B AS DES IN OR 4523 PG 1829
Legal Range	26W
Legal Township	02S
Legal Section	22
Legal Subdivision	PINE RANCH FIRST ADDITION
Legal Block	B
Legal Lot Number	21
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	2043 PINE RANCH DR, NAVARRE, FL 32566-2952
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2024 · Amount on Record
Deed Sale	Jul 22, 2024 · Amount on Record
Prior Sale	Sep 5, 1996 · Amount on Record
Deed Document Number	202432552
Deed Book / Page	4523 / 1829
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2043 PINE RANCH DR, NAVARRE, FL 32566-2952
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2043 PINE RANCH DR, NAVARRE, FL 32566-2952

Mortgage

Document Number	0046710403
Date	Oct 21, 2025
Book Page	4671/403
Instrument	202549584

Lender

Name	HOMEFI CORP
Type	Non-Lending Institution
Address	DESTIN, FL 32541

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

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	$1,815.00 (+2.77%) Homeowner's exemption Disabled Person's exemption	$186,387 (+3%)	$326,782 (+6.62%) Land $70,000 Building $256,782
2023	$1,766.00 (+0.11%) Homeowner's exemption Disabled Person's exemption	$180,958 (+3%)	$306,485 (+3.16%) Land $60,000 Building $246,485
2022	$1,764.00 Homeowner's exemption Widower's exemption	$175,687	$297,100 Land $55,000 Building $242,100

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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.

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