Santa Rosa County property record for 3046 Grady Tolbert Rd, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,362 sqft · built 1986 |
| Lot Size | 0.475 acres (20,691 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $32,000 (Dec 2008) |
| Tax Bill | $808 (2024) |
| Deeds & Mortgages | Sep 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-2S-27-0000-03905-0000 |
| Primary APN | 01-2S-27-0000-03905-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,362 sqft Living Area |
| Gross Area | 1,682 sqft |
| 1st Floor Area | 1,362 sqft |
| Utility Area | 96 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 20,691 sqft (0.475 acres) |
| Lot Dimensions | 230 ft deep x 90 ft wide |
| Porch | Open Porch |
|---|---|
| Porch Area | 224 sqft |
| Patio Area | 210 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Greenhouse | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3046 GRADY TOLBERT RD |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-9518 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | **NEW DES INC FORMER #39.3** COM NE COR GOV LT 2 TH S ALG E LT LI 2252 FT TH R 90*W 387. 30 FT TH N 77*0W 350.90 FT TO POB TH S 0*500E 100 FT TH N 77*0334W 90.70 FT TH N 0*37 52E 10 FT TH N 77*29W 128. 07 FT TO E R/W GRADY TOLBERT RD TH N 03*3714W AL |
| Legal Range | 27W |
| Legal Township | 2S |
| Legal Section | 01 |
| Legal Lot Number | 2 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1223 |
| Census Tract | 10802 |
3046 Grady Tolbert Rd is owned and occupied by two individuals who bought it in December 2008.
Source: Santa Rosa County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3046 GRADY TOLBERT RD, NAVARRE, FL 32566-9518 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 | 2 Names on Deed |
|---|---|
| Last Sale | Dec 29, 2008 · Amount on File |
| Deed Sale | Dec 29, 2008 · Amount on File |
| Prior Sale | Apr 3, 2008 · Amount on File |
| Deed Document Number | 200848086 |
| Deed Book / Page | 2872 / 827 |
| Prior Transfer Date | Dec 27, 2008 |
| Prior Transfer Doc | 0028720827 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3046 GRADY TOLBERT RD, NAVARRE, FL 32566-9518 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3046 GRADY TOLBERT RD, NAVARRE, FL 32566-9518 |
| Document Number | 0044371612 |
|---|---|
| Date | Sep 27, 2023 |
| Book Page | 4437/1612 |
| Instrument | 202343897 |
| Name | ARCSTONE FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Address | LOS ANGELES, CA 90027 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
Source: Santa Rosa County assessment roll, as of December 8, 2025
| 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 |
|---|---|---|---|
| 2025 | $98,722 (+2.9%) | $181,260 (+2.91%) Land $42,000 Building $139,260 | |
| 2024 | $808.00 (+4.26%) Homeowner's exemption | $95,940 (+3%) | $176,143 (+5.28%) Land $42,000 Building $134,143 |
| 2023 | $775.00 (+4.31%) Homeowner's exemption | $93,146 (+3%) | $167,309 (+9.74%) Land $35,000 Building $132,309 |
| 2022 | $743.00 Homeowner's exemption | $90,433 | $152,461 Land $30,000 Building $122,461 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3046 Grady Tolbert Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 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 3046 Grady Tolbert Rd is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 53% of the US · lower than 76% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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 73 locations within half a mile, as of December 31, 2025
| Provider | Max 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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