Santa Rosa County property record for 3294 Main St, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,754 sqft · built 2019 |
| Lot Size | 0.253 acres (11,021 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Dec 2022) |
| Tax Bill | $2,912 (2024) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage May 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-2S-27-0000-03004-0000 |
| Primary APN | 01-2S-27-0000-03004-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,754 sqft Living Area |
| Gross Area | 2,418 sqft |
| 1st Floor Area | 1,754 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| 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 | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 244 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3294 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 2: COM AT NE CORN OF NW4 OF SEC 1 TWNSHP 2 SOUTH RANGE 27 WEST THN S89*53'12W ON N SEC LN 394.78 FT TO E R/W OF MAIN ST THN S12*13'47W ON RD 115. 71 FT TO POB THN S77*46'13E 149.0 FT THN S12*13'47W 73.50 FT THN N77*46'13W 149.0 FT TO MAIN ST T |
| 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 |
3294 Main St is owned and occupied by two individuals who bought it in December 2022.
Source: Santa Rosa County records, as of May 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3294 MAIN ST, NAVARRE, FL 32566-9720 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Dec 19, 2022 | Warranty Deed, Transfer · VA Mortgage TRIDENT HOME LOANS LLC |
| May 6, 2020 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| May 6, 2019 | Grant Deed, Subdivision Related Transfer · Conventional with PMI UNIVERSITY LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 19, 2022 · Amount on File |
| Deed Sale | Dec 19, 2022 · Amount on File |
| Prior Sale | May 6, 2020 · Amount on File |
| Deed Document Number | 202268621 |
| Deed Book / Page | 4352 / 1631 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Dec 19, 2022 |
| Property Address | 3294 MAIN ST, NAVARRE, FL 32566-9720 |
| Document Number | 0043521631 |
| Book / Page | 4352 / 1631 |
| Instrument Date | Dec 15, 2022 |
| Instrument | 202268621 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2023 |
| Title Company | SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,450.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3294 MAIN ST, NAVARRE, FL 32566-9720 |
| Name | Verified Name |
|---|---|
| Address | 3294 MAIN ST, NAVARRE, FL 32566-9720 |
| Document Number | 0043521633 |
|---|---|
| Date | Dec 19, 2022 |
| Instrument | 4352/1633 |
| Name | TRIDENT HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | May 6, 2020 |
| Property Address | 3294 MAIN ST, NAVARRE, FL 32566-9720 |
| Document Number | 0039471200 |
| Book / Page | 003947 / 001200 |
| Instrument Date | May 4, 2020 |
| Instrument | 21392 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2020 |
| Title Company | EMERALD COAST TITLE INC - GULF BREEZE, EMERALD COAST TITLE INC - GULF |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,750.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3294 MAIN ST NAVARRE FL 325669720, NAVARRE, FL 32566-9720 |
| Document Number | 39471202 |
|---|---|
| Date | May 6, 2020 |
| Book Page | 003947/001202 |
| Instrument | 21393 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 5, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | May 6, 2019 |
| Property Address | 3294 MAIN ST, NAVARRE, FL 32566-9720 |
| Document Number | 0038260824 |
| Book / Page | 003826 / 000824 |
| Instrument Date | May 3, 2019 |
| Instrument | 18328 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 27, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,661.10 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3294 MAIN ST NAVARRE FL 325669720, NAVARRE, FL 32566-9720 |
| Document Number | 38260827 |
|---|---|
| Date | May 6, 2019 |
| Book Page | 003826/000827 |
| Instrument | 18329 |
| Name | UNIVERSITY LNDG |
|---|---|
| Address | SOUTHFIELD, MI 48034 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 5, 2049 |
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 | $288,389 (+2.9%) | $288,815 (+3.05%) Land $42,000 Building $246,815 | |
| 2024 | $2,912.00 (+3.48%) Homeowner's exemption | $280,261 (+4.25%) Land $39,900 Building $240,361 | $280,261 (+4.25%) Land $39,900 Building $240,361 |
| 2023 | $2,814.00 (+17.84%) Homeowner's exemption | $268,824 (+16.51%) Land $38,000 Building $230,824 | $268,824 (+2.41%) Land $38,000 Building $230,824 |
| 2022 | $2,388.00 Homeowner's exemption | $230,739 | $262,488 Land $38,000 Building $224,488 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3294 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 3294 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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