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3022 Grady Tolbert Rd, Navarre, FL 32566 Property Records

Santa Rosa County property record for 3022 Grady Tolbert Rd, Navarre, FL 32566

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,650 sqft · built 2004
Lot Size0.271 acres (11,805 sqft)
OwnerIndividual Name on Record
Last Sale$315,000 (Feb 2023)
Tax Bill$1,954 (2024)
Deeds & MortgagesFeb 2023 Sale & Mortgage
Dec 2022 Line of Credit
+ 3 more
Flood ZoneZone X (minimal risk)
APN01-2S-27-0000-03909-0000

Property Details

APN / Parcel Number

Primary APN01-2S-27-0000-03909-0000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,650 sqft Heated Area
Gross Area2,080 sqft
1st Floor Area1,650 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2009
Exterior MaterialBrick
Construction TypeWood
Foundation TypeMasonry
Roof MaterialShingle
Lot Area11,805 sqft (0.271 acres)
Lot Dimensions1,270 ft deep x 1,010 ft wide

Exterior Amenities

PorchOpen Porch
Porch Area430 sqft
Shed1 Shed
Shed Area288 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number012S270000039090000
Street Address3022 GRADY TOLBERT RD
CityNAVARRE
StateFL
Zip32566-9518
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionCOM NE CORN OF GOV LOT 2 THN S 3*18'E 2304.28 FT THN S86*42'W 820.70 FT TO POB THN N87*01'W 126.75 FT TO E LN OF CO RD THN
Legal Range27W
Legal Township02S
Legal Section01
Legal Lot Number2
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group1
Census Block1223
Census Tract10802

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 RecordIndividual Name on Record
Mailing Address3022 GRADY TOLBERT RD, NAVARRE, FL 32566-9518
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 15, 2023Warranty Deed, Transfer · Conventional Mortgage
PRIMELENDING
Dec 5, 2022Deed of Trust, Mortgage · Line of Credit
NAVY FCU
Jul 19, 2021Deed of Trust, Mortgage · VA Mortgage
NAVY FCU
Jul 2, 2018Warranty Deed, Transfer · VA Mortgage
NAVY FCU
Jan 25, 2017Warranty Deed, Transfer · VA Mortgage
USAA

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 15, 2023 · Amount on Record
Deed SaleFeb 15, 2023 · Amount on Record
Prior SaleJul 2, 2018 · Amount on Record
Deed Document Number202306233
Deed Book / Page4367 / 20
Record UpdatedJun 8, 2026

February 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateFeb 15, 2023
Property Address3022 GRADY TOLBERT RD, NAVARRE, FL 32566-9518
Document Number0043670020
Book / Page4367 / 20
Instrument DateFeb 14, 2023
Instrument202306233
Transaction TypeTransfer
Record UpdatedMar 20, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,205.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3022 GRADY TOLBERT RD, NAVARRE, FL 32566-9518

Transferred To (Grantee/Buyer)

NameVerified Name
Address2063 ORTEGA ST, NAVARRE, FL 32566-2192

Mortgage

Document Number0000436723
DateFeb 15, 2023
Instrument4367/23
Lender
NamePRIMELENDING
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2053
Interest
Rate TypeAdjustable Rate
Rate6%
Type Change DateMar 1, 2030
Change Frequency6 Months
Min Rate At Change3%
Max Rate At Change11%
IndexOther
Margin3
Max Rate11%

December 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address3022 GRADY TOLBERT RD, NAVARRE, FL 32566-9518
Transaction TypeMortgage
Record UpdatedDec 26, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3022 GRADY TOLBERT RD, NAVARRE, FL 32566-9518

Mortgage

Document Number0043491086
DateDec 5, 2022
Book Page4349/1086
Instrument202266560
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeLine of Credit
AmountAmount Recorded
Term479 Months
DueNov 1, 2062
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address3022 GRADY TOLBERT RD, NAVARRE, FL 32566-9518
Transaction TypeMortgage
Record UpdatedDec 21, 2021
Title CompanyNAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address3022 GRADY TOLBERT RD, NAVARRE, FL 32566-9518

Mortgage

Document Number0041500046
DateJul 19, 2021
Book Page4150/46
Instrument202148144
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2051

July 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateJul 2, 2018
Property Address3022 GRADY TOLBERT RD, NAVARRE, FL 32566-9518
Document Number0037432095
Book / Page003743 / 002095
Instrument DateJun 28, 2018
Instrument28077
Transaction TypeTransfer
Record UpdatedSep 11, 2018
Title CompanyOTHER

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,391.60
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3022 GRADY TOLBERT RD GULF BREEZE FL 325669518, GULF BREEZE, FL 32566-9518

Mortgage

Document Number37440001
DateJul 2, 2018
Book Page003744/000001
Instrument28078
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VT 22180
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 1, 2048

January 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateJan 25, 2017
Property Address3022 GRADY TOLBERT RD, NAVARRE, FL 32566-9518
Document Number0035930765
Book / Page003593 / 000765
Instrument DateJan 24, 2017
Instrument2893
Transaction TypeTransfer
Record UpdatedFeb 6, 2017
Title CompanyANCHOR TITLE COMPANY, ANCHOR TITLE CO

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,189.30
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3022 GRADY TOLBERT RD NAVARRE FL 325669518, NAVARRE, FL 32566-9518

Mortgage

Document Number35930767
DateJan 25, 2017
Book Page003593/000767
Instrument2894
Lender
NameUSAA
AddressSAN ANTONIO, TX 78288-0544
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 24, 2047

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2024$1,954.00 (-27.63%) Homeowner's exemption$196,740 (-18.17%)$249,177 (+3.64%) Land $42,000 Building $207,177
2023$2,700.00 (+8.39%)$240,433 (+9.35%) Land $35,000 Building $205,433$240,433 (+9.35%) Land $35,000 Building $205,433
2022$2,491.00$219,865$219,865 Land $30,000 Building $189,865

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 198 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies198 in force
Nearby Flood Claims133 (1995–2024)
Claims Outside the SFHA28 of 133
Most Recent ClaimJun 2024 · rainfall accumulation
Claims by Event
  • Hurricane Sally, Sep 2020 · 31 claims
  • Hurricane Frances, Sep 2004 · 68 claims
  • Hurricane Opal, Oct 1995 · 16 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 RiskModerate
above 53% of the US · lower than 76% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 SystemHOLLEY-NAVARRE WATER SYSTEM
public/private · serves 47,793 people · EPA ID FL1570349
Water SourceGroundwater
Last State InspectionOct 2025
Lead6 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 73 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless in parts of the area		5,000 / 5,000
Mediacom Xtream
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20

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