Santa Rosa County property record for 3495 Moonstone Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,345 sqft · built 2018 |
| Lot Size | 0.478 acres (20,822 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $558,900 (Nov 2023) |
| Tax Bill | $4,176 (2025) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage Oct 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 38-1S-27-5465-00E00-0150 |
| Primary APN | 38-1S-27-5465-00E00-0150 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,345 sqft Living Area |
| Gross Area | 3,670 sqft |
| 1st Floor Area | 2,345 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 20,822 sqft (0.478 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 305 sqft |
| Patio Area | 380 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Gazebo | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3495 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 ESTATES1ST ADD LOT 15 BLK E AS DES IN OR 4453 PG 1514 |
| Legal Range | 27W |
| Legal Township | 1S |
| Legal Section | 38 |
| Legal Subdivision | TREASURE ISLE ESTS |
| Legal Block | E |
| Legal Lot Number | 15 |
| 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 July 22, 2026
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 |
|---|---|
| Mailing Address | 3495 MOONSTONE DR, NAVARRE, FL 32566-9821 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Nov 27, 2023 | Warranty Deed, Transfer · VA Mortgage NEW AMERICAN FUNDING |
| Oct 4, 2022 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Sep 4, 2018 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 27, 2023 · Amount on Record |
| Deed Sale | Nov 27, 2023 · Amount on Record |
| Prior Sale | Oct 4, 2022 · Amount on Record |
| Deed Document Number | 202352610 |
| Deed Book / Page | 4453 / 1514 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Nov 27, 2023 |
| Property Address | 3495 MOONSTONE DR, NAVARRE, FL 32566-9821 |
| Document Number | 0044531514 |
| Book / Page | 4453 / 1514 |
| Map Reference | MB 12 PG 60-64 |
| Instrument Date | Nov 22, 2023 |
| Instrument | 202352610 |
| Transaction Type | Transfer |
| Record Updated | Jan 1, 2024 |
| Title Company | SETCO SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,912.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4165 W PRICKLY PEAR DR, EAGLE, ID 83616-7350 |
| Name | Verified Name |
|---|---|
| Address | 3495 MOONSTONE DR, NAVARRE, FL 32566-9821 |
| Document Number | 0044531516 |
|---|---|
| Date | Nov 27, 2023 |
| Instrument | 4453/1516 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Oct 4, 2022 |
| Property Address | 3495 MOONSTONE DR, NAVARRE, FL 32566-9821 |
| Document Number | 0043321078 |
| Book / Page | 4332 / 1078 |
| Map Reference | MB 12 PG 60-64 |
| Instrument Date | Sep 29, 2022 |
| Instrument | 202256825 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2022 |
| Title Company | PURE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,866.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3495 MOONSTONE DR, 3495, NAVARRE, FL 32566-9821 |
| Name | Verified Name |
|---|---|
| Address | 3495 MOONSTONE DR, NAVARRE, FL 32566-9821 |
| Document Number | 0043321080 |
|---|---|
| Date | Oct 4, 2022 |
| Instrument | 4332/1080 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2052 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Sep 4, 2018 |
| Property Address | 3495 MOONSTONE DR, NAVARRE, FL 32566-9821 |
| Document Number | 0037621621 |
| Book / Page | 3762 / 1621 |
| Map Reference | MB12 PG60-64 |
| Instrument Date | Aug 30, 2018 |
| Instrument | 201837847 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,181.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 25366 PROFIT DR, 25366, DAPHNE, AL 36526-5126 |
| Name | Verified Name |
|---|---|
| Address | 3495 MOONSTONE DR, NAVARRE, FL 32566-9821 |
| Document Number | 0201837848 |
|---|---|
| Date | Sep 4, 2018 |
| Instrument | 201837848 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2048 |
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 | $4,176.00 (-8.74%) Homeowner's exemption | $386,153 (+0.4%) | $419,027 (+8.95%) Land $56,000 Building $363,027 |
| 2024 | $4,576.00 (-2.12%) | $384,619 (-0.9%) Land $50,000 Building $334,619 | $384,619 (-0.9%) Land $50,000 Building $334,619 |
| 2023 | $4,675.00 (+59.39%) Homeowner's exemption | $388,116 (+41.54%) Land $42,500 Building $345,616 | $388,116 (+4.27%) Land $42,500 Building $345,616 |
| 2022 | $2,933.00 Homeowner's exemption | $274,207 | $372,239 Land $42,500 Building $329,739 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
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