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3308 Lowery Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 3308 Lowery Dr, Navarre, FL 32566

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,457 sqft · built 1981
Lot Size0.631 acres (27,486 sqft)
Owner2 Individual Names on Record
Last Sale$339,000 (Jul 2024)
Tax Bill$2,750 (2025)
Deeds & MortgagesDec 2023 Transfer
Jan 2023 Sale
+ 3 more
Flood ZoneZone X (moderate risk)
APN38-1S-27-0000-00428-0000

Property Details

APN / Parcel Number

Primary APN38-1S-27-0000-00428-0000
Alternative APN
  • S271380000004280000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,457 sqft Living Area
Gross Area1,967 sqft
1st Floor Area1,457 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 2011
Exterior MaterialBrick
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialWood Shingle
Lot Area27,486 sqft (0.631 acres)
Lot Dimensions275 ft deep x 100 ft wide
Garage TypeAttached
Garage Area294 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchSlab
Porch Area184 sqft
Deck Area32 sqft
Shed1 Shed
Shed Area1 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address3308 LOWERY DR
CityNAVARRE
StateFL
Zip32566-9716
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal Description**DESCRIPTION UPDATE FOR 2024** 38-1S-27W LOT 8 CEDAR HAMLET 1ST ADD (UNREC): COM AT NE COR GOV LOT 2, THN S 1745.7 FT ALNG E LN, THN N89*0000W 25 FT TO E R/W LOWERY LANE & POB, THN S 100 FT ALNG R/W, THN S89*0000E 258 FT TO BRANCH, THN NLY 105 FT +/
Legal Range27W
Legal Township1S
Legal Section38
Legal Subdivision1ST ADDITION TO CEDAR HAMLET
Legal Lot Number8
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group1
Census Block1229
Census Tract10802

Owner

Source: Santa Rosa County records, as of April 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address3308 LOWERY DR, NAVARRE, FL 32566-9716
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Dec 21, 2023Intrafamily Transfer, Transfer
HARPER TITLE COMPANY LLC
Jan 4, 2023Warranty Deed, Transfer
EMERALD COAST TITLE INC
Feb 28, 2022Warranty Deed, Transfer · Conventional Mortgage
CHANGE LENDING LLC
Jul 27, 2021Warranty Deed, Transfer
ALLURE TITLE COMPANY
Jul 27, 2021Warranty Deed, Transfer
ALLURE TITLE COMPANY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 26, 2024 · Amount on Record
Deed SaleJul 26, 2024 · Amount on Record
Prior SaleJan 4, 2023 · Amount on Record
Deed Document Number202433434
Deed Book / Page4525 / 1583
Prior Transfer DateDec 21, 2023
Prior Transfer Doc0044601575
Record UpdatedJun 8, 2026

December 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA ROSA FL
Recording DateDec 21, 2023
Property Address3308 LOWERY DR, NAVARRE, FL 32566-9716
Document Number0044601575
Book / Page4460 / 1575
Instrument DateDec 12, 2023
Instrument202356617
Transaction TypeTransfer
Record UpdatedFeb 19, 2024
Title CompanyHARPER TITLE COMPANY LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3308 LOWERY DR, NAVARRE, FL 32566-9716

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3308 LOWERY DR, NAVARRE, FL 32566-9716

January 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateJan 4, 2023
Property Address3308 LOWERY DR, NAVARRE, FL 32566-9716
Document Number0043561998
Book / Page4356 / 1998
Instrument DateJan 3, 2023
Instrument202300312
Transaction TypeTransfer
Record UpdatedFeb 2, 2023
Title CompanyEMERALD COAST TITLE INC

Transaction

AmountAmount Recorded
Tax$2,429.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 3414, PENSACOLA, FL 32516-3414

Transferred To (Grantee/Buyer)

NameVerified Name
Address3308 LOWERY DR, NAVARRE, FL 32566-9716

February 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateFeb 28, 2022
Property Address3308 LOWERY DR, NAVARRE, FL 32566-9716
Document Number0042511806
Book / Page4251 / 1806
Instrument DateFeb 23, 2022
Instrument202211917
Transaction TypeTransfer
Record UpdatedApr 8, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,065.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3308 LOWERY DR, NAVARRE, FL 32566-9716

Mortgage

Document Number0042511808
DateFeb 28, 2022
Instrument4251/1808
Lender
NameCHANGE LENDING LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2052

July 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateJul 27, 2021
Property Address3308 LOWERY DR, NAVARRE, FL 32566-9716
Document Number0041541566
Book / Page4154 / 1566
Instrument DateJul 27, 2021
Instrument202150545
Transaction TypeTransfer
Record UpdatedSep 1, 2021
Title CompanyALLURE TITLE COMPANY

Transaction

AmountAmount Recorded
Tax$1,225.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1 SAINT LOUIS ST STE 3400, 1, MOBILE, AL 36602-3927

Transferred To (Grantee/Buyer)

NameVerified Name
Address973 VESTAVIA WAY, GULF BREEZE, FL 32563-3052

July 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateJul 27, 2021
Property Address3308 LOWERY DR, NAVARRE, FL 32566-9716
Document Number0041541561
Book / Page4154 / 1561
Instrument DateJul 8, 2021
Instrument202150543
Transaction TypeTransfer
Record UpdatedSep 1, 2021
Title CompanyALLURE TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3308 LOWERY DR, 3308, NAVARRE, FL 32566-9716

Transferred To (Grantee/Buyer)

NameVerified Name
Address1 SAINT LOUIS ST STE 3400, 3400, MOBILE, AL 36602-3927
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,750.00 (+44.58%)$227,259 (+4.1%) Land $33,600 Building $193,659$227,259 (+4.1%) Land $33,600 Building $193,659
2024$1,902.00 (-21.53%) Homeowner's exemption Senior Citizen's exemption$218,301 (+10.5%) Land $31,500 Building $186,801$218,301 (+10.5%) Land $31,500 Building $186,801
2023$2,424.00 (+10.53%)$197,552 (+11.91%) Land $29,940 Building $167,612$197,552 (+11.91%) Land $29,940 Building $167,612
2022$2,193.00$176,523$176,523 Land $27,944 Building $148,579

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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 198 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies198 in force
Nearby Flood Claims133 (1995–2024)
Claims Outside the SFHA28 of 133
Most Recent ClaimJun 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 RiskModerate
above 65% of the US · above 42% of Florida
Wildfire Likelihood0.2% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemHOLLEY-NAVARRE WATER SYSTEM
public/private · serves 47,793 people · EPA ID FL1570349
Water SourceGroundwater
Last State InspectionOct 2025
Lead6 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 116 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Mediacom Xtream
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20

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