Santa Rosa County property record for 3489 Moonstone Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,064 sqft · built 2018 |
| Owner | 2 Individual Names on Record |
| Last Sale | $378,150 (Dec 2018) |
| Tax Bill | $3,985 (2024) |
| Deeds & Mortgages | Oct 2020 Mortgage Dec 2018 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 38-1S-27-5465-00E00-0160 |
| Primary APN | 38-1S-27-5465-00E00-0160 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,064 sqft Heated Area |
| Gross Area | 3,914 sqft |
| 1st Floor Area | 3,510 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Garage Area | 446 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 404 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 381S27546500E000160 |
|---|---|
| Street Address | 3489 MOONSTONE DR |
| City | NAVARRE |
| State | FL |
| Zip | 32566-9821 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | TREASURE ISLE ESTATES 1ST ADD LOT 16 BLK E AS DES IN OR 3792 PG 1859 |
| Legal Range | 27W |
| Legal Township | 01S |
| Legal Section | 38 |
| Legal Subdivision | TREASURE ISLE ESTATES |
| Legal Block | E |
| Legal Lot Number | 16 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1229 |
| Census Tract | 10802 |
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 128 GARDENVILLE DR, YORKTOWN, VA 23693-4406 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 1, 2020 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE ONE OF THE SOUTH INC |
| Dec 26, 2018 | Grant Deed, Subdivision Related Transfer · VA Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 26, 2018 · Amount on Record |
| Deed Sale | Dec 26, 2018 · Amount on Record |
| Deed Document Number | 201854428 |
| Deed Book / Page | 3792 / 1859 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3489 MOONSTONE DR, NAVARRE, FL 32566-9821 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3489 MOONSTONE DR, NAVARRE, FL 32566-9821 |
| Document Number | 0040090975 |
|---|---|
| Date | Oct 1, 2020 |
| Book Page | 4009/975 |
| Instrument | 202050537 |
| Name | MORTGAGE ONE OF THE SOUTH INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WALTON BEACH, FL 32548 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Dec 26, 2018 |
| Property Address | 3489 MOONSTONE DR, NAVARRE, FL 32566-9821 |
| Document Number | 0037921859 |
| Book / Page | 003792 / 001859 |
| Instrument Date | Dec 19, 2018 |
| Instrument | 54428 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 1, 2019 |
| Title Company | DHI TITLE/FL INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,647.05 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3489 MOONSTONE DR NAVARRE FL 325669821, NAVARRE, FL 32566-9821 |
| Document Number | 37921861 |
|---|---|
| Date | Dec 26, 2018 |
| Book Page | 003792/001861 |
| Instrument | 54429 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 25, 2048 |
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 | $3,985.00 (+2.05%) Homeowner's exemption | $365,920 (+3%) | $470,211 (-3.1%) Land $50,000 Building $420,211 |
| 2023 | $3,905.00 (+2.55%) Homeowner's exemption | $355,262 (+3%) | $485,249 (+5.39%) Land $50,000 Building $435,249 |
| 2022 | $3,808.00 Homeowner's exemption | $344,915 | $460,410 Land $50,000 Building $410,410 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures