Santa Rosa County property record for 3290 Main St, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,962 sqft · built 2018 |
| Lot Size | 0.283 acres (12,327 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $318,100 (Nov 2018) |
| Tax Bill | $3,513 (2025) |
| Deeds & Mortgages | Jul 2026 Sale May 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-2S-27-0000-03005-0000 |
| Primary APN | 01-2S-27-0000-03005-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,962 sqft Living Area |
| Gross Area | 4,709 sqft |
| 1st Floor Area | 2,962 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 | 12,327 sqft (0.283 acres) |
| Lot Dimensions | 149 ft deep x 83 ft wide |
| Garage Type | Attached |
| Garage Area | 630 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 408 sqft |
| Patio Area | 709 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3290 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 3: COM AT NE CORN OF NW4 THN S89*53'12W ON N SEC LN 394.78 FT TO E R/W OF MAIN ST THN S12*13'47W ON RD 189. 21 FT TO POB THN S77*46'13E 149.0 FT THN S12*13'47W 83.0 FT THN N77*46'13W 149.0 FT TO MAIN ST THN N12*13'47E ON RD 83.00 FT TO POB AS |
| 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 |
3290 Main St is owner-occupied and held in a trust since July 2026.
Source: Santa Rosa County records, as of August 21, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 3290 MAIN ST, NAVARRE, FL 32566-9720 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 |
|---|---|
| Jul 22, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| May 17, 2023 | Deed of Trust, Mortgage · Closed-End Mortgage REGIONS BANK |
| Aug 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Jul 24, 2019 | Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK |
| Nov 30, 2018 | Grant Deed, Subdivision Related Transfer · Conventional Mortgage UNIVERSITY LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 30, 2018 · Amount on File |
| Deed Sale | Nov 30, 2018 · Amount on File |
| Deed Document Number | 201851056 |
| Deed Book / Page | 3786 / 1624 |
| Last Transfer Date | Jul 21, 2026 |
| Transfer Doc | 0000037070 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jul 22, 2026 |
| Property Address | 3290 MAIN ST, NAVARRE, FL 32566-9720 |
| Document Number | 0000037070 |
| Book / Page | 4770 / 719 |
| Instrument Date | Jul 21, 2026 |
| Instrument | 202637070 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 3290 MAIN ST, NAVARRE, FL 32566-9720 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3290 MAIN ST, NAVARRE, FL 32566-9720 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3290 MAIN ST, NAVARRE, FL 32566-9720 |
| Document Number | 0043951754 |
|---|---|
| Date | May 17, 2023 |
| Book Page | 4395/1754 |
| Instrument | 202321576 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | May 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3290 MAIN ST, NAVARRE, FL 32566-9720 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3290 MAIN ST, NAVARRE, FL 32566-9720 |
| Document Number | 0041651855 |
|---|---|
| Date | Aug 19, 2021 |
| Book Page | 4165/1855 |
| Instrument | 202155880 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3290 MAIN ST, NAVARRE, FL 32566-9720 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0038521751 |
|---|---|
| Date | Jul 24, 2019 |
| Book Page | 3852/1751 |
| Instrument | 201931990 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 12, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Nov 30, 2018 |
| Property Address | 3290 MAIN ST, NAVARRE, FL 32566-9720 |
| Document Number | 0037861624 |
| Book / Page | 003786 / 001624 |
| Instrument Date | Nov 27, 2018 |
| Instrument | 51056 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 8, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,226.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3290 MAIN ST NAVARRE FL 32566, NAVARRE, FL 32566 |
| Document Number | 37861627 |
|---|---|
| Date | Nov 30, 2018 |
| Book Page | 003786/001627 |
| Instrument | 51057 |
| Name | UNIVERSITY LNDG |
|---|---|
| Address | SOUTHFIELD, MI 48034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 29, 2048 |
The 2025 property tax bill for 3290 Main St was $3,513 with exemptions applied, up 3.7% 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 | $3,513.00 (+3.72%) Homeowner's exemption Disabled Person's exemption | $332,236 (+2.9%) | $432,604 (+2.95%) Land $42,000 Building $390,604 |
| 2024 | $3,387.00 (+2.3%) Homeowner's exemption Widower's exemption | $322,873 (+3%) | $420,216 (+1.39%) Land $39,900 Building $380,316 |
| 2023 | $3,311.00 (-0.48%) Homeowner's exemption Disabled Person's exemption | $313,469 (+3%) | $414,436 (+3.97%) Land $38,000 Building $376,436 |
| 2022 | $3,327.00 Homeowner's exemption Disabled Person's exemption | $304,339 | $398,629 Land $38,000 Building $360,629 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3290 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 3290 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 |
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