Santa Rosa County property record for 3278 Main St, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,583 sqft · built 2018 |
| Lot Size | 0.253 acres (11,021 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $470,000 (Jun 2025) |
| Tax Bill | $3,137 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Jan 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-2S-27-0000-03007-0000 |
| Primary APN | 01-2S-27-0000-03007-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,583 sqft Living Area |
| Gross Area | 3,331 sqft |
| 1st Floor Area | 2,583 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 | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 11,021 sqft (0.253 acres) |
| Lot Dimensions | 149 ft deep x 74 ft wide |
| Garage Type | Attached |
| Garage Area | 456 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 54 sqft |
| Patio Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3278 MAIN ST |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-9720 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | **DESCRIPTION UPDATE FOR 2025** PARCEL 5: COM AT NE COR OF NW4 01-2S-27W; THN S89*5312W ON N SEC LN 394.78 FT TO E R/W OF MAIN ST; THN S12*1347W ON RD 345. 71 FT TO POB; THN S77*4613E 149.0 FT; THN S12*1347W 73.50 FT; THN N77*4613W 149.0 FT TO MAIN S |
| Legal Range | 27W |
| Legal Township | 2S |
| Legal Section | 01 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1229 |
| Census Tract | 10802 |
3278 Main St is owned and occupied by two individuals who bought it in June 2025.
Source: Santa Rosa County records, as of April 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3278 MAIN ST, NAVARRE, FL 32566-9720 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 8, 2021 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE ONE OF THE SOUTH INC |
| Jan 28, 2019 | Grant Deed, Subdivision Related Transfer · VA Mortgage MORTGAGE ONE/SOUTH |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 26, 2025 · Amount on File |
| Deed Sale | Jun 26, 2025 · Amount on File |
| Prior Sale | Jan 28, 2019 · Amount on File |
| Deed Document Number | 202529315 |
| Deed Book / Page | 4631 / 992 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3278 MAIN ST, NAVARRE, FL 32566-9720 |
| Transaction Type | Mortgage |
| Record Updated | Jun 7, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3278 MAIN ST, NAVARRE, FL 32566-9720 |
| Document Number | 0041001454 |
|---|---|
| Date | Apr 8, 2021 |
| Book Page | 4100/1454 |
| Instrument | 202123200 |
| Name | MORTGAGE ONE OF THE SOUTH INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WALTON BEACH, FL 32548 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jan 28, 2019 |
| Property Address | 3278 MAIN ST, NAVARRE, FL 32566-9720 |
| Document Number | 0037991404 |
| Book / Page | 003799 / 001404 |
| Instrument Date | Jan 24, 2019 |
| Instrument | 3324 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 27, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,964.90 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3278 MAIN ST NAVARRE FL 325669720, NAVARRE, FL 32566-9720 |
| Document Number | 37991407 |
|---|---|
| Date | Jan 28, 2019 |
| Book Page | 003799/001407 |
| Instrument | 3325 |
| Name | MORTGAGE ONE/SOUTH |
|---|---|
| Type | Mortgage Company |
| Address | FORT WALTON BEACH, FL 32548 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 27, 2049 |
The 2025 property tax bill for 3278 Main St was $3,137, up 1.8% from the year before.
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 | $3,137.00 (+1.82%) | $303,375 (+2.9%) | $363,693 (+3%) Land $42,000 Building $321,693 |
| 2024 | $3,081.00 (+6.5%) Homeowner's exemption Disabled Person's exemption | $294,825 (+6.38%) | $353,086 (+4.24%) Land $39,900 Building $313,186 |
| 2023 | $2,893.00 (+2.73%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $277,137 (+3%) | $338,709 (+1.55%) Land $38,000 Building $300,709 |
| 2022 | $2,816.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $269,065 | $333,545 Land $38,000 Building $295,545 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3278 Main St 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 3278 Main St is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 65% of the US · above 42% 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 133 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures