Santa Rosa County property record for 3355 Bob Tolbert Rd, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,057 sqft · built 2021 |
| Lot Size | 0.301 acres (13,112 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $430,000 (Apr 2026) |
| Tax Bill | $3,195 (2024) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 39-1S-27-0000-01908-0000 |
| Primary APN | 39-1S-27-0000-01908-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,057 sqft Living Area |
| Gross Area | 2,772 sqft |
| 1st Floor Area | 2,057 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 13,112 sqft (0.301 acres) |
| Lot Dimensions | 180 ft deep x 73 ft wide |
| Garage Type | Attached |
| Garage Area | 488 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3355 BOB TOLBERT RD |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-9601 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1M |
| Legal Description | *DESCRIPTION UPDATE FOR 2021* COM AT SE CORN OF SECTION 39 TOWNSHIP 1 SOUTH RANGE 27 WEST THN N03*00'00E 924 FT THN N87*00'00W 310.50 FT TO THE WLY R/W OF BOB TOLBERT RD THN S12*34'38E 169.20 FT TO POB THN CONT S12*34'38E 73.06 FT THN N85*56'25W 180 |
| Legal Range | 27W |
| Legal Township | 1S |
| Legal Section | 39 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1264 |
| Census Tract | 10802 |
3355 Bob Tolbert Rd is owned and occupied by two individuals who bought it in April 2026.
Source: Santa Rosa County records, as of May 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3355 BOB TOLBERT RD, NAVARRE, FL 32566-9601 |
| 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 |
|---|---|
| Apr 15, 2026 | Warranty Deed, Transfer · VA Mortgage AFI FINANCIAL |
| Apr 15, 2026 | Warranty Deed, Transfer · VA Mortgage AFS FINANCIAL INC |
| Jul 20, 2021 | Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 15, 2026 · Amount on File |
| Deed Sale | Apr 15, 2026 · Amount on File |
| Prior Sale | Jul 20, 2021 · Amount on File |
| Deed Document Number | 202618784 |
| Deed Book / Page | 4732 / 1000 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 15, 2026 |
| Property Address | 3355 BOB TOLBERT RD, NAVARRE, FL 32566-9601 |
| Document Number | 0047321000 |
| Book / Page | 4732 / 1000 |
| Instrument Date | Apr 15, 2026 |
| Instrument | 202618784 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | ALLURE TITLE COMPANY, ALLURE TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $304,010.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3355 BOB TOLBERT RD, NAVARRE, FL 32566-9601 |
| Document Number | 0000018785, |
|---|---|
| Date | Apr 15, 2026 |
| Instrument | 202618785 |
| Name | AFI FINANCIAL |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 15, 2026 |
| Property Address | 3355 BOB TOLBERT RD, NAVARRE, FL 32566-9601 |
| Document Number | 0000018784 |
| Book / Page | 4732 / 1000 |
| Instrument Date | Apr 15, 2026 |
| Instrument | 2026.18784 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2026 |
| Title Company | ALL TITLE, ALLURE TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $304,010.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3355 BOB TOLBERT RD, NAVARRE, FL 32566-9601 |
| Document Number | 0000018785, |
|---|---|
| Date | Apr 15, 2026 |
| Instrument | 2026..18785 |
| Name | AFS FINANCIAL INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jul 20, 2021 |
| Property Address | 3355 BOB TOLBERT RD, NAVARRE, FL 32566-9601 |
| Document Number | 0041501621 |
| Book / Page | 4150 / 1621 |
| Instrument Date | Jul 14, 2021 |
| Instrument | 202148515 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | SURETY LAND TITLE OF FL LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,490.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1300 E OLIVE RD, 1300, PENSACOLA, FL 32514-4820 |
| Name | Verified Name |
|---|---|
| Address | 3355 BOB TOLBERT RD, NAVARRE, FL 32566-9601 |
| Document Number | 0041501623 |
|---|---|
| Date | Jul 20, 2021 |
| Instrument | 4150/1623 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
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 | $311,835 (+2.9%) | $323,446 (+5.52%) Land $47,500 Building $275,946 | |
| 2024 | $3,195.00 (+2.11%) Homeowner's exemption | $303,047 (+3%) | $306,535 (+3.94%) Land $38,000 Building $268,535 |
| 2023 | $3,129.00 (+2.59%) Homeowner's exemption | $294,220 (+3%) | $294,905 (+3.24%) Land $28,500 Building $266,405 |
| 2022 | $3,050.00 Homeowner's exemption | $285,650 | $285,650 Land $26,600 Building $259,050 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3355 Bob Tolbert Rd 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 3355 Bob Tolbert Rd is high, ranking above 72% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 72% of the US · above 55% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 33 locations within half a mile, as of December 31, 2025
| Provider | Max 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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