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3105 River Rd, Navarre, FL 32566 Property Records

Santa Rosa County property record for 3105 River Rd, Navarre, FL 32566 · Last verified November 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2019
Square Footage1,952 sqft Heated Area
Lot Size24,176 sqft (0.555 acres)
OccupancyOwner Occupied
Last Sale$281,300 (2019)
Tax Bill$178.00 (2024)

Property Details

APN / Parcel Number

Primary APN05-2S-26-0000-00193-0000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,952 sqft Heated Area
Gross Area2,723 sqft Gross Area
1st Floor2,393 sqft 1st Floor
Stories1 Stories
Primary FlooringLaminate Plank Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2019
Exterior MaterialBrick Exterior
Construction TypeWood Construction
Foundation TypeMat/Raft Foundation (Slab) Foundation
Roof MaterialShingle Roof
Lot Area24,176 sqft (0.555 acres)
Depth X Width2,420 ft x 1,000 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage Area441 sqft Garage
PorchOpen Porch
Porch Area330 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air Heating

Location & Zoning

Account Number052S260000001930000
Street Address3105 RIVER RD
CityNAVARRE
StateFL
Zip32566-9427
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLOT 8 BLK 2 OF UNREC HARPER PROPERTY DESCRIBED AS FOLLS: COM AT NE CORNER OF SECTION 5 TOWNSHP 2 SOUTH RANGE 26 WEST THN
Legal Range26W
Legal Township02S
Legal Section05
Legal SubdivisionWEST
Legal Block2
Legal Lot Number8
JurisdictionSANTA ROSA FL
Minor Civil DivisionHOLLEY-NAVARRE
Census Blockgroup1
Census Block1205
Census Tract10802

Owner

Source: Santa Rosa County records · APN 05-2S-26-0000-00193-0000

Assessment roll updated July 1, 2024 · Last verified November 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address3105 RIVER RD, NAVARRE, FL 32566-9427
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Sep 06, 2019Warranty Deed, Transfer · Veterans Administration Mortgage
PRIVATE INDIVIDUAL
May 17, 2019Loan Modification, Mortgage · Line of Credit
FIDELITY BK
Dec 05, 2018Warranty Deed, Transfer
SURETY LAND TITLE/FL LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 06, 2019 · Amount on Record
Deed SaleSep 06, 2019 · Amount on Record
Prior SaleDec 05, 2018 · Amount on Record
Deed Doc Number201939802
Deed Book / Page3867 / 1197
Record RefreshedJun 08, 2026

September 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateSep 06, 2019
Property Address3105 RIVER RD, NAVARRE, FL 32566-9427
Document Number0038671197
Book / Page003867 / 001197
Instrument DateAug 30, 2019
Instrument39802
Transaction TypeTransfer
Record UpdatedNov 01, 2019
Title CompanySURETY LAND TITLE/FL LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,969.10
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address3105 RIVER RD NAVARRE FL 325669427, NAVARRE, FL 32566-9427

Mortgage

Document Number38671199
DateSep 06, 2019
Book Page003867/001199
Instrument39803
Lender
NamePRIVATE INDIVIDUAL
TypePrivate Party
AddressGULF BREEZE, FL 32561
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueSep 05, 2049

May 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionSANTA ROSA FL
Property Address3105 RIVER RD, NAVARRE, FL 32566-9427
Document Number0038340338
Instrument DateMay 17, 2019
Transaction TypeMortgage
Record UpdatedAug 08, 2019
Title CompanySURETY LAND TITLE/FL LLC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1300 E OLIVE RD PENSACOLA FL 325144820, PENSACOLA, FL 32514-4820
InvestorPossibly a Property Investor

Mortgage

Document Number0038340338
DateMay 30, 2019
Book Page003834/000338
Instrument22524
Lender
NameFIDELITY BK
TypeBank
AddressJACKSONVILLE, FL 32256
Agreement
TypeLine of Credit
Interest
Rate TypeAdjustable Rate

December 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateDec 05, 2018
Property Address3105 RIVER RD, NAVARRE, FL 32566-9427
Document Number0037871876
Book / Page003787 / 001876
Instrument DateNov 27, 2018
Instrument51644
Transaction TypeTransfer
Record UpdatedFeb 04, 2019
Title CompanySURETY LAND TITLE/FL LLC

Transaction

AmountAmount Recorded
Tax$105.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1300 E OLIVE RD PENSACOLA FL 325144820, PENSACOLA, FL 32514-4820
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated July 1, 2024 · Last verified November 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2024$178.00 (+7.23%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$252,086 (+3%)$311,115 (+0.92%) Land $36,000 Building $275,115
2023$166.00 (+6.41%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed$244,744 (+3%)$308,281 (+3.13%) Land $36,000 Building $272,281
2022$156.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed$237,616$298,933 Land $34,000 Building $264,933

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Rosa County (12113C), updated November 18, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 68% of the US · above 48% of Florida
Wildfire LikelihoodAbout 1 in 388 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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