3286 Main St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 3286 Main St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,705 sqft · built 2018
Lot Size	0.253 acres (11,021 sqft)
Owner	Individual Name on Record
Last Sale	$288,286 (Mar 2019)
Tax Bill	$3,371 (2024)
Deeds & Mortgages	Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-2S-27-0000-03006-0000`

Property Details

APN / Parcel Number

Primary APN	`01-2S-27-0000-03006-0000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,705 sqft Heated Area
Gross Area	3,660 sqft
1st Floor Area	3,132 sqft
Flooring	Laminate Plank
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2018
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	11,021 sqft (0.253 acres)
Lot Dimensions	1,490 ft deep x 740 ft wide
Garage Area	427 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	528 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	012S270000030060000
Street Address	3286 MAIN ST
City	NAVARRE
State	FL
Zip	32566-9720
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	PARCEL 4: COM AT NE CORN OF NW4 SEC 21 TWNSHP 2 SOUTH RNG 27 WEST THN S89*53'12W ON N SEC LN 394.78 FT TO E R/W OF MAIN ST
Legal Range	27W
Legal Township	02S
Legal Section	01
Legal Subdivision	WEST
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1229
Census Tract	10802

Owner

Source: Santa Rosa County records, as of October 27, 2025

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	3286 MAIN ST, NAVARRE, FL 32566-9720
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2019 · Amount on Record
Deed Sale	Mar 4, 2019 · Amount on Record
Deed Document Number	201908267
Deed Book / Page	3808 / 0945
Record Updated	Jun 8, 2026

March 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 4, 2019
Property Address	3286 MAIN ST, NAVARRE, FL 32566-9720
Document Number	0038080945
Book / Page	003808 / 000945
Instrument Date	Feb 28, 2019
Instrument	8267
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 28, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,018.80
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3286 MAIN ST NAVARRE FL 325669720, NAVARRE, FL 32566-9720

Mortgage

Document Number	38080948
Date	Mar 4, 2019
Book Page	003808/000948
Instrument	8268

Lender

Name	MORTGAGE ONE/SOUTH
Type	Mortgage Company
Address	FORT WALTON BEACH, FL 32548

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 3, 2049

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$3,371.00 (+2.18%) Homeowner's exemption	$313,389 (+3%)	$378,542 (+1.44%) Land $39,900 Building $338,642
2023	$3,299.00 (+2.61%) Homeowner's exemption	$304,261 (+3%)	$373,171 (+1.57%) Land $38,000 Building $335,171
2022	$3,215.00 Homeowner's exemption	$295,399	$367,413 Land $38,000 Building $329,413

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

Flood

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 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	Hurricane Sally, Sep 2020 · 31 claims Hurricane Frances, Sep 2004 · 68 claims Hurricane Opal, Oct 1995 · 16 claims

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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