Santa Rosa County property record for 3257 Mona Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,305 sqft · built 2018 |
| Lot Size | 1.16 acres (50,704 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $600,000 (Nov 2023) |
| Tax Bill | $4,989 (2024) |
| Deeds & Mortgages | Jan 2026 Mortgage Nov 2023 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 39-1S-27-1940-00000-0030 |
| Primary APN | 39-1S-27-1940-00000-0030 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,305 sqft Living Area |
| Gross Area | 3,706 sqft |
| 1st Floor Area | 2,305 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 50,704 sqft (1.16 acres) |
| Lot Dimensions | 172 ft deep x 310 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 633 sqft |
| Deck Area | 240 sqft |
| Shed | 1 Shed |
| Shed Area | 2 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3257 MONA DR |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-9723 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HOLLY WOODS LOT 3 AS DES IN OR 4453 PG 865 & AS DES IN OR 4532 PG 1067 |
| Legal Range | 27W |
| Legal Township | 1S |
| Legal Section | 39 |
| Legal Subdivision | HOLLY WOODS |
| Legal Lot Number | 3 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1229 |
| Census Tract | 10802 |
Source: Santa Rosa County records, as of February 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3257 MONA DR, NAVARRE, FL 32566-9723 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 29, 2026 | Deed of Trust, Mortgage · Conventional Mortgage TRIDENT HOME LOANS LLC |
| Nov 22, 2023 | Warranty Deed, Transfer · VA Mortgage TRIDENT HOME LOANS LLC |
| Dec 29, 2022 | Deed of Trust, Mortgage · Closed-End Mortgage REGIONS BANK |
| Jan 2, 2019 | Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK |
| Jun 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC |
| Feb 22, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 22, 2023 · Amount on Record |
| Deed Sale | Nov 22, 2023 · Amount on Record |
| Prior Sale | Feb 22, 2017 · Amount on Record |
| Deed Document Number | 202352426 |
| Deed Book / Page | 4453 / 865 |
| Last Transfer Date | Aug 5, 2024 |
| Transfer Doc | 0000036832 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3257 MONA DR, NAVARRE, FL 32566-9723 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3257 MONA DR, NAVARRE, FL 32566-9723 |
| Document Number | 0047030328 |
|---|---|
| Date | Jan 29, 2026 |
| Book Page | 4703/328 |
| Instrument | 202604562 |
| Name | TRIDENT HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | PENSACOLA, FL 32504 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Nov 22, 2023 |
| Property Address | 3257 MONA DR, NAVARRE, FL 32566-9723 |
| Document Number | 0044530865 |
| Book / Page | 4453 / 865 |
| Map Reference | MB C PG 12 |
| Instrument Date | Nov 16, 2023 |
| Instrument | 202352426 |
| Transaction Type | Transfer |
| Record Updated | Jan 1, 2024 |
| Title Company | WAYPOINT TITLE, WAYPOINT TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,200.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1767 GUILDFORD CT, FORT WALTON BEACH, FL 32547-6873 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3257 MONA DR, NAVARRE, FL 32566-9723 |
| Document Number | 0004453867 |
|---|---|
| Date | Nov 22, 2023 |
| Instrument | 4453/867 |
| Name | TRIDENT HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3257 MONA DR, NAVARRE, FL 32566-9723 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3257 MONA DR, NAVARRE, FL 32566-9723 |
| Document Number | 0043551066 |
|---|---|
| Date | Dec 29, 2022 |
| Book Page | 4355/1066 |
| Instrument | 202270082 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3257 MONA DR, NAVARRE, FL 32566-9723 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0037941355 |
|---|---|
| Date | Jan 2, 2019 |
| Book Page | 3794/1355 |
| Instrument | 201900164 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3257 MONA DR, NAVARRE, FL 32566-9723 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0039570400 |
|---|---|
| Date | Jun 1, 2020 |
| Book Page | 3957/400 |
| Instrument | 202025924 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Feb 22, 2017 |
| Property Address | 3257 MONA DR, NAVARRE, FL 32566-9723 |
| Document Number | 0036001574 |
| Book / Page | 003600 / 001574 |
| Instrument Date | Feb 20, 2017 |
| Instrument | 6940 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $336.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 36 CINDERELLA LN NW FORT WALTON BEACH FL 325471623, FORT WALTON BEACH, FL 32547-1623 |
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 | $431,613 (+3.09%) Land $49,500 Building $382,113 | $431,613 (+3.09%) Land $49,500 Building $382,113 | |
| 2024 | $4,989.00 (+103.8%) | $418,684 (+80.69%) Land $46,200 Building $372,484 | $418,684 (+16.48%) Land $46,200 Building $372,484 |
| 2023 | $2,448.00 (+2.81%) Homeowner's exemption | $231,710 (+3%) | $359,435 (+2.12%) Land $36,000 Building $323,435 |
| 2022 | $2,381.00 Homeowner's exemption | $224,961 | $351,966 Land $34,000 Building $317,966 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 68% of the US · above 48% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 116 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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