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3324 Lowery Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 3324 Lowery Dr, Navarre, FL 32566

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,512 sqft · built 1981
Lot Size0.628 acres (27,356 sqft)
OwnerIndividual Name on Record
Last Sale$325,000 (Mar 2022)
Tax Bill$2,193 (2024)
Deeds & MortgagesMar 2022 Sale & Mortgage
Dec 2020 Sale & Mortgage
+ 7 more
Flood ZoneZone X (moderate risk)
APN38-1S-27-0000-00439-0000

Property Details

APN / Parcel Number

Primary APN38-1S-27-0000-00439-0000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,512 sqft Heated Area
Gross Area2,242 sqft
1st Floor Area1,512 sqft
FlooringLaminate Plank
Interior WallsCustom/Decorative

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 2011
Exterior MaterialFiber Cement Siding
Construction TypeWood
Foundation TypeMasonry
Roof MaterialMetal
Lot Area27,356 sqft (0.628 acres)
Lot Dimensions2,660 ft deep x 1,030 ft wide
Deck Area730 sqft
Shed1 Shed
Shed Area1 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number381S270000004390000
Street Address3324 LOWERY DR
CityNAVARRE
StateFL
Zip32566-9716
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionCOM AT NE CORNER OF GOVT LOT 2 OF SECTION 38 TOWNSHIP 1 SOUTH RANGE 27 WEST THN S ON E LOT LN 1545.7 FT THN N 89*W 25 FT TO
Legal Range27W
Legal Township01S
Legal Section38
Legal SubdivisionWEST
Legal Lot Number2
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group1
Census Block1229
Census Tract10802

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 RecordIndividual Name on Record
Mailing Address3324 LOWERY DR, NAVARRE, FL 32566-9716
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 24, 2022Warranty Deed, Transfer · Conventional Mortgage
ROCKET MORTGAGE LLC
Dec 14, 2020Warranty Deed, Transfer · VA Mortgage
INTERLINC MORTGAGE SERVICES LLC
Jul 11, 2019Correction Deed, Transfer
ATTORNEY ONLY
Jul 11, 2019Warranty Deed, Transfer
ATTORNEY ONLY
Jul 3, 2019Quit Claim Deed, Transfer
NOT AVAILABLE
May 7, 2019Quit Claim Deed, Transfer
NOT AVAILABLE
Mar 28, 2019Warranty Deed, Transfer
ATTORNEY ONLY
Nov 1, 2018Deed of Trust, Mortgage · Conventional Mortgage
JOHN R JR DOWD
Mar 2, 2017Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 24, 2022 · Amount on Record
Deed SaleMar 24, 2022 · Amount on Record
Prior SaleDec 14, 2020 · Amount on Record
Deed Document Number202217577
Deed Book / Page4262 / 901
Record UpdatedJun 8, 2026

March 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateMar 24, 2022
Property Address3324 LOWERY DR, NAVARRE, FL 32566-9716
Document Number0042620901
Book / Page4262 / 901
Instrument DateMar 15, 2022
Instrument202217577
Transaction TypeTransfer
Record UpdatedApr 27, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,275.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3324 LOWERY DR, 3324, NAVARRE, FL 32566-9716

Transferred To (Grantee/Buyer)

NameVerified Name
Address23 VILLAGE PASS, NEWNAN, GA 30265-5549

Mortgage

Document Number0004262902
DateMar 24, 2022
Instrument4262/902
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueApr 1, 2037

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateDec 14, 2020
Property Address3324 LOWERY DR, NAVARRE, FL 32566-9716
Document Number0040421122
Book / Page4042 / 1122
Instrument DateNov 30, 2020
Instrument202067444
Transaction TypeTransfer
Record UpdatedDec 14, 2021
Title CompanyOLD SOUTH LAND TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,855.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1047 BLVD DE LA PARISIENNE, 1047, MARY ESTHER, FL 32569-2312

Transferred To (Grantee/Buyer)

NameVerified Name
Address3324 LOWERY DR, NAVARRE, FL 32566-9716

Mortgage

Document Number0040421125
DateDec 14, 2020
Instrument4042/1125
Lender
NameINTERLINC MORTGAGE SERVICES LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 1, 2050

July 2019: Correction Deed, Transfer

Document TypeCorrection Deed
JurisdictionSANTA ROSA FL
Recording DateJul 11, 2019
Property Address3324 LOWERY DR, NAVARRE, FL 32566-9716
Document Number0038481758
Book / Page003848 / 001758
Instrument DateJul 11, 2019
Instrument29828
Transaction TypeTransfer
Record UpdatedAug 30, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
AddressPO BOX 273117 FORT COLLINS CO 805273117, FORT COLLINS, CO 80527-3117

July 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateJul 11, 2019
Property Address3324 LOWERY DR, NAVARRE, FL 32566-9716
Document Number0038482034
Book / Page003848 / 002034
Instrument DateJul 7, 2019
Instrument29868
Transaction TypeTransfer
Record UpdatedAug 30, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$525.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1047 BLVD DE LA PARISIENNE MARY ESTHER FL 325692312, MARY ESTHER, FL 32569-2312

July 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA ROSA FL
Recording DateJul 3, 2019
Property Address3324 LOWERY DR, NAVARRE, FL 32566-9716
Document Number0038460761
Book / Page003846 / 000761
Instrument DateJul 1, 2019
Instrument28637
Transaction TypeTransfer
Record UpdatedAug 30, 2019
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
AddressPO BOX 273117 FORT COLLINS CO 805273117, FORT COLLINS, CO 80527-3117

May 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA ROSA FL
Recording DateMay 7, 2019
Property Address3324 LOWERY DR, NAVARRE, FL 32566-9716
Document Number0038270131
Book / Page003827 / 000131
Instrument DateMay 7, 2019
Instrument18725
Transaction TypeTransfer
Record UpdatedAug 30, 2019
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4441 SANTA VILLA DR PACE FL 325712824, PACE, FL 32571-2824

March 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateMar 28, 2019
Property Address3324 LOWERY DR, NAVARRE, FL 32566-9716
Document Number0038150001
Book / Page003815 / 000001
Instrument DateMar 27, 2019
Instrument12181
Transaction TypeTransfer
Record UpdatedAug 30, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$385.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
AddressPO BOX 273117 FORT COLLINS CO 805273117, FORT COLLINS, CO 80527-3117

November 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address3324 LOWERY DR, NAVARRE, FL 32566-9716
Document Number0037830654
Instrument DateNov 1, 2018
Transaction TypeMortgage
Record UpdatedJan 13, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address3324 LOWERY DR NAVARRE FL 325669716, NAVARRE, FL 32566-9716

Mortgage

Document Number0037830654
DateNov 16, 2018
Book Page003783/000654
Instrument49250
Lender
NameJOHN R JR DOWD
Address25 BEAL PKWY NE # 230, FORT WALTON BEACH, FL 32548-4857
Agreement
TypeConventional Mortgage
AmountAmount Recorded

March 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateMar 2, 2017
Property Address3324 LOWERY DR, NAVARRE, FL 32566-9716
Document Number0036030488
Book / Page003603 / 000488
Instrument DateMar 2, 2017
Instrument8192
Transaction TypeTransfer
Record UpdatedMar 10, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$294.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3324 LOWERY DR NAVARRE FL 325669716, NAVARRE, FL 32566-9716

Tax Assessment & Valuation

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

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
2024$2,193.00 (-0.36%) Homeowner's exemption$217,714 (+0.57%) Land $29,940 Building $187,774$217,714 (+0.57%) Land $29,940 Building $187,774
2023$2,201.00 (-7.79%)$216,485 (+7.33%) Land $29,940 Building $186,545$216,485 (+7.33%) Land $29,940 Building $186,545
2022$2,387.00$201,699$201,699 Land $27,944 Building $173,755

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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