3311 Mona Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 3311 Mona Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,885 sqft · built 2015
Lot Size	1.02 acres (44,475 sqft)
Owner	Individual Name on Record
Last Sale	$35,000 (Aug 2015)
Tax Bill	$3,816 (2024)
Deeds & Mortgages	Apr 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`39-1S-27-1940-00000-0190`

Property Details

APN / Parcel Number

Primary APN	`39-1S-27-1940-00000-0190`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,885 sqft Heated Area
Gross Area	2,639 sqft
1st Floor Area	2,347 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Exterior Material	Brick
Construction Type	Wood Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	44,475 sqft (1.02 acres)
Lot Dimensions	2,070 ft deep x 2,150 ft wide
Garage Area	462 sqft
Porch	Open Porch
Porch Area	292 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	391S271940000000190
Street Address	3311 MONA DR
City	NAVARRE
State	FL
Zip	32566-9742
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HOLLY WOODS LOT 19 AS DES IN OR 3455 PG 484
Legal Range	27W
Legal Township	01S
Legal Section	39
Legal Subdivision	HOLLY WOODS
Legal Lot Number	19
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3311 MONA DR, NAVARRE, FL 32566-9742
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2015 · Amount on Record
Deed Sale	Aug 21, 2015 · Amount on Record
Prior Sale	Dec 30, 2004 · Amount on Record
Deed Document Number	201531320
Deed Book / Page	3455 / 0484
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	3311 MONA DR, NAVARRE, FL 32566-9742
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039350904
Date	Apr 2, 2020
Book Page	3935/904
Instrument	202016005

Lender

Name	EGLIN FCU
Type	Credit Union
Address	FORT WALTON BEACH, FL 32547

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$3,816.00 (+69.68%) Homeowner's exemption Disabled Person's exemption	$357,625 (+63.68%)	$425,699 (+49.37%) Land $42,000 Building $383,699
2023	$2,249.00 (+5.84%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$218,487 (+3%)	$284,993 (+2.93%) Land $36,000 Building $248,993
2022	$2,125.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$212,123	$276,883 Land $34,000 Building $242,883

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 68% of the US · above 48% 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 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20