Santa Rosa County property record for 3038 River Rd, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,456 sqft · built 1957 |
| Lot Size | 0.723 acres (31,537 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $538 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-2S-26-0000-02200-0000 |
| Primary APN | 04-2S-26-0000-02200-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,456 sqft Heated Area |
| 1st Floor Area | 1,456 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Masonry |
| Roof Material | Asphalt |
| Lot Area | 31,537 sqft (0.723 acres) |
| Lot Dimensions | 2,090 ft deep x 1,510 ft wide |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 042S260000022000000 |
|---|---|
| Street Address | 3038 RIVER RD |
| City | NAVARRE |
| State | FL |
| Zip | 32566-9440 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG-RR |
| Legal Description | COM AT NW CORN OF SW4 TH S ALO NG E R/W OF RIVER RD 209 FT TO POB TH E 209 FT TH S 151 FT TO N R/W OF NELDA RD TH W ALONG R/W |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 04 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1204 |
| Census Tract | 10802 |
3038 River Rd is owned and occupied by an individual who acquired it in May 2001.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3038 RIVER RD, NAVARRE, FL 32566-9440 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 25, 2001 |
| Deed Sale | May 25, 2001 |
| Prior Sale | May 25, 2001 |
| Deed Document Number | 0190600683 |
| Record Updated | Jun 8, 2026 |
Source: Santa Rosa County assessment roll, as of July 1, 2024
| 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 |
|---|---|---|---|
| 2024 | $538.00 (+3.07%) Homeowner's exemption | $69,134 (+3%) | $152,539 (+4%) Land $44,000 Building $108,539 |
| 2023 | $522.00 (+2.76%) Homeowner's exemption | $67,120 (+3%) | $146,667 (+9.46%) Land $39,600 Building $107,067 |
| 2022 | $508.00 Homeowner's exemption | $65,165 | $133,987 Land $33,000 Building $100,987 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3038 River Rd in Zone X, an area of minimal flood risk, though there have been 133 flood claims nearby since 1995.
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 File median of 198 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 198 in force |
| Nearby Flood Claims | 133 (1995–2024) |
| Claims Outside the SFHA | 28 of 133 |
| Most Recent Claim | Jun 2024 · rainfall accumulation |
| Claims by Event |
|
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 risk around 3038 River Rd is moderate, ranking above 68% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 68% of the US · above 47% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
May also be available: AT&T.
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