Santa Rosa County property record for 3472 Moonstone Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,834 sqft · built 2019 |
| Lot Size | 0.314 acres (13,721 sqft) |
| Owner | Individual Name on File |
| Last Sale | $425,000 (Jul 2023) |
| Tax Bill | $157 (2024) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Jul 2022 Mortgage + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 38-1S-27-5465-00F00-0010 |
| Primary APN | 38-1S-27-5465-00F00-0010 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,834 sqft Heated Area |
| Gross Area | 2,396 sqft |
| 1st Floor Area | 2,296 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 13,721 sqft (0.314 acres) |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 381S27546500F000010 |
|---|---|
| Street Address | 3472 MOONSTONE DR |
| City | NAVARRE |
| State | FL |
| Zip | 32566-9822 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | TREASURE ISLE ESTATES 1ST ADD LOT 1 BLK F AS DES IN OR 4412 PG 1904 |
| Legal Range | 27W |
| Legal Township | 01S |
| Legal Section | 38 |
| Legal Subdivision | TREASURE ISLE ESTATES |
| Legal Block | F |
| Legal Lot Number | 1 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1229 |
| Census Tract | 10802 |
3472 Moonstone Dr is owned and occupied by an individual who bought it in July 2023.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3472 MOONSTONE DR, NAVARRE, FL 32566-9822 |
| 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 |
|---|---|
| Jul 7, 2023 | Warranty Deed, Transfer · VA Mortgage MOVEMENT MORTGAGE |
| Jul 21, 2022 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Mar 16, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Mar 18, 2020 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC |
| Mar 21, 2019 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 7, 2023 · Amount on File |
| Deed Sale | Jul 7, 2023 · Amount on File |
| Prior Sale | Mar 21, 2019 · Amount on File |
| Deed Document Number | 0044121904 |
| Deed Book / Page | 4412 / 1904 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jul 7, 2023 |
| Property Address | 3472 MOONSTONE DR, NAVARRE, FL 32566-9822 |
| Document Number | 0044121904 |
| Book / Page | 4412 / 1904 |
| Map Reference | MB 12 PG 60-64 |
| Instrument Date | Jul 7, 2023 |
| Instrument | 202330453 |
| Transaction Type | Transfer |
| Record Updated | Aug 8, 2023 |
| Title Company | ALLURE TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,975.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3472 MOONSTONE DR, NAVARRE, FL 32566-9822 |
| Name | Verified Name |
|---|---|
| Address | 3080 WINDWARD COVE CT, GULF BREEZE, FL 32563-3179 |
| Document Number | 0044121906 |
|---|---|
| Date | Jul 7, 2023 |
| Instrument | 4412/1906 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3472 MOONSTONE DR, NAVARRE, FL 32566-9822 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3472 MOONSTONE DR, NAVARRE, FL 32566-9822 |
| Document Number | 0043080159 |
|---|---|
| Date | Jul 21, 2022 |
| Book Page | 4308/159 |
| Instrument | 202242850 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3472 MOONSTONE DR, NAVARRE, FL 32566-9822 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 3472 MOONSTONE DR, NAVARRE, FL 32566-9822 |
| Document Number | 0040871085 |
|---|---|
| Date | Mar 16, 2021 |
| Book Page | 4087/1085 |
| Instrument | 202117150 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3472 MOONSTONE DR, NAVARRE, FL 32566-9822 |
| Document Number | 0039340647 |
| Instrument Date | Mar 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3472 MOONSTONE DR NAVARRE FL 325669822, NAVARRE, FL 32566-9822 |
| Document Number | 0039340647 |
|---|---|
| Date | Mar 31, 2020 |
| Book Page | 003934/000647 |
| Instrument | 15509 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 30, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Mar 21, 2019 |
| Property Address | 3472 MOONSTONE DR, NAVARRE, FL 32566-9822 |
| Document Number | 0038130640 |
| Book / Page | 3813 / 0640 |
| Map Reference | MB 12 PG 60-64 |
| Instrument Date | Mar 15, 2019 |
| Instrument | 201911130 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,805.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 25366 PROFIT DR, 25366, DAPHNE, AL 36526-5126 |
| Name | Verified Name |
|---|---|
| Address | 3472 MOONSTONE DR, NAVARRE, FL 32566-9822 |
| Document Number | 0201911131 |
|---|---|
| Date | Mar 21, 2019 |
| Instrument | 201911131 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2049 |
Source: Santa Rosa County assessment roll, as of July 1, 2024
| 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 |
|---|---|---|---|
| 2024 | $157.00 (-93.43%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $318,458 (+37.18%) Land $50,000 Building $268,458 | $318,458 (+0.04%) Land $50,000 Building $268,458 |
| 2023 | $2,388.00 (+2.75%) Homeowner's exemption | $232,138 (+3%) | $318,344 (+5.78%) Land $40,000 Building $278,344 |
| 2022 | $2,324.00 Homeowner's exemption | $225,377 | $300,963 Land $35,000 Building $265,963 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3472 Moonstone Dr in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 3472 Moonstone Dr is high, ranking above 73% 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 | High above 73% of the US · above 57% 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 66 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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