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3121 Five Forks Rd, Navarre, FL 32566 Property Records

Santa Rosa County property record for 3121 Five Forks Rd, Navarre, FL 32566 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2019
Square Footage1,776 sqft Living Area
Lot Size13,068 sqft (0.3 acres)
OccupancyOwner Occupied
Last Sale$260,000 (2019)
Tax Bill$2,242.00 (2024)

Property Details

APN / Parcel Number

Primary APN05-2S-26-0000-01011-0000
Alternative APN
  • S262050000010110000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,776 sqft Living Area
Gross Area2,472 sqft Gross Area
1st Floor1,776 sqft 1st Floor
Stories1 Stories
Primary FlooringWood Flooring
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Exterior MaterialConcrete Exterior
Construction TypeWood Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialWood Shingle Roof
Lot Area13,068 sqft (0.3 acres)
Depth X Width172 ft x 76 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area420 sqft Garage
Porch Area646 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating

Location & Zoning

Street Address3121 FIVE FORKS RD
CityNAVARRE
StateFL
Zip32566-9470
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal Description*NEWLY DESCRIBED FOR 2019* LOT 28-D EAST RIVER HEIGHTS: COM AT SE CORN OF GOV LOT 3 SECTION 5 TOWNSHIP 2 SOUTH RANGE 26 WEST THN N ALNG E R/W LI OF FIVE FORK RD 228.75 FT TO THE POB THN CONT 76.25 FT THN W 172 FT THN S 76.25 FT THN E 172 FT TO POB AS
Legal Range26W
Legal Township2S
Legal Section05
Legal SubdivisionEAST RIVER HEIGHTS
Legal Lot Number3
JurisdictionSANTA ROSA FL
Minor Civil DivisionHOLLEY-NAVARRE
Census Blockgroup1
Census Block1207
Census Tract10802

Owner

Source: Santa Rosa County records · APN 05-2S-26-0000-01011-0000

Assessment roll updated December 8, 2025 · Last verified April 2026

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

Owner of RecordIndividual Name on File
Mailing Address3121 FIVE FORKS RD, NAVARRE, FL 32566-9470
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Dec 18, 2018Deed of Trust, Mortgage · Commercial Mortgage
FNBT BANK
Dec 18, 2018Deed of Trust, Mortgage · Commercial Mortgage
FNBT BANK
Dec 18, 2018Deed of Trust, Mortgage · Commercial Mortgage
FNBT BANK
Dec 18, 2018Deed of Trust, Mortgage · Commercial Mortgage
FNBT BANK
Jun 10, 2020Deed of Trust, Mortgage · Veterans Administration Mortgage
UNIVERSITY LNDG
Aug 21, 2019Warranty Deed, Subdivision Related Transfer · Veterans Administration Mortgage
UNIVERSITY LNDG

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 21, 2019 · Amount on Record
Deed SaleAug 21, 2019 · Amount on Record
Deed Doc Number201936979
Deed Book / Page3862 / 415
Prior Transfer DateAug 07, 2007
Prior Transfer Doc0027580642
Record RefreshedJun 08, 2026

December 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address3121 FIVE FORKS RD, NAVARRE, FL 32566-9470
Transaction TypeMortgage
Record UpdatedMay 02, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0037910504
DateDec 18, 2018
Book Page3791/0504
Instrument201853474
Lender
NameFNBT BANK
TypeBank
AddressFORT WALTON BEACH, FL 32549
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

December 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address3121 FIVE FORKS RD, NAVARRE, FL 32566-9470
Transaction TypeMortgage
Record UpdatedMay 02, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0037910547
DateDec 18, 2018
Book Page3791/0547
Instrument201853482
Lender
NameFNBT BANK
TypeBank
AddressFORT WALTON BEACH, FL 32549
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

December 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address3121 FIVE FORKS RD, NAVARRE, FL 32566-9470
Transaction TypeMortgage
Record UpdatedMay 02, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0037910367
DateDec 18, 2018
Book Page3791/0367
Instrument201853440
Lender
NameFNBT BANK
TypeBank
AddressFORT WALTON BEACH, FL 32549
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

December 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address3121 FIVE FORKS RD, NAVARRE, FL 32566-9470
Transaction TypeMortgage
Record UpdatedMay 02, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0037910588
DateDec 18, 2018
Book Page3791/0588
Instrument201853490
Lender
NameFNBT BANK
TypeBank
AddressFORT WALTON BEACH, FL 32549
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address3121 FIVE FORKS RD, NAVARRE, FL 32566-9470
Document Number0039721701
Instrument DateJun 10, 2020
Transaction TypeMortgage
Record UpdatedAug 07, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
Address3121 FIVE FORKS RD NAVARRE FL 325669470, NAVARRE, FL 32566-9470

Mortgage

Document Number0039721701
DateJul 07, 2020
Book Page003972/001701
Instrument33216
Lender
NameUNIVERSITY LNDG
AddressSOUTHFIELD, MI 48034
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueJul 06, 2050

August 2019: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateAug 21, 2019
Property Address3121 FIVE FORKS RD, NAVARRE, FL 32566-9470
Document Number0038620415
Book / Page003862 / 000415
Instrument DateAug 15, 2019
Instrument36979
Transaction TypeSubdivision Related Transfer
Record UpdatedNov 01, 2019
Title CompanyCOTTON LAND TITLE INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,820.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3121 FIVE FORKS RD NAVARRE FL 325669470, NAVARRE, FL 32566-9470

Mortgage

Document Number38620416
DateAug 21, 2019
Book Page003862/000416
Instrument36980
Lender
NameUNIVERSITY LNDG
AddressSOUTHFIELD, MI 48034
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueAug 20, 2049

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified April 2026

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
2025$227,432 (+2.9%)$288,332 (+3.81%) Land $40,000 Building $248,332
2024$2,242.00 (+3.84%) Homeowner's exemption$221,022 (+4.31%)$277,747 (+1.72%) Land $36,000 Building $241,747
2023$2,159.00 (+2.86%) Homeowner's exemption$211,892 (+3%)$273,049 (+3.41%) Land $36,000 Building $237,049
2022$2,099.00 Homeowner's exemption$205,720$264,057 Land $34,000 Building $230,057

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 47% of Florida
Wildfire LikelihoodAbout 1 in 452 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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