Santa Rosa County property record for 3496 Moonstone Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,324 sqft · built 2018 |
| Lot Size | 0.305 acres (13,286 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $425,000 (Feb 2022) |
| Tax Bill | $3,969 (2024) |
| Deeds & Mortgages | Feb 2022 Sale & Mortgage Aug 2018 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 38-1S-27-5465-00F00-0050 |
| Primary APN | 38-1S-27-5465-00F00-0050 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,324 sqft Heated Area |
| Gross Area | 3,100 sqft |
| 1st Floor Area | 2,765 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 13,286 sqft (0.305 acres) |
| Lot Dimensions | 1,900 ft deep x 700 ft wide |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 335 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 381S27546500F000050 |
|---|---|
| Street Address | 3496 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 5 BLK F AS DES IN OR 4244 PG 2023 |
| Legal Range | 27W |
| Legal Township | 01S |
| Legal Section | 38 |
| Legal Subdivision | TREASURE ISLE ESTATES |
| Legal Block | F |
| Legal Lot Number | 5 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3496 MOONSTONE DR, NAVARRE, FL 32566-9822 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 11, 2022 | Warranty Deed, Transfer · VA Mortgage LOW VA RATES LLC |
| Aug 10, 2018 | Deed of Trust, Subdivision Related Transfer · VA Mortgage MORTGAGE ONE/SOUTH |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 11, 2022 · Amount on Record |
| Deed Sale | Feb 11, 2022 · Amount on Record |
| Prior Sale | Aug 15, 2018 · Amount on Record |
| Deed Document Number | 0042442023 |
| Deed Book / Page | 4244 / 2023 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Feb 11, 2022 |
| Property Address | 3496 MOONSTONE DR, NAVARRE, FL 32566-9822 |
| Document Number | 0042442023 |
| Book / Page | 4244 / 2023 |
| Map Reference | MB 12 PG 60-64 |
| Instrument Date | Feb 8, 2022 |
| Instrument | 202208299 |
| Transaction Type | Transfer |
| Record Updated | Apr 1, 2022 |
| Title Company | MCNEESE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,975.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7566 PEACH LOOP, 7566, CANNON AFB, NM 88101 |
| Name | Verified Name |
|---|---|
| Address | 43496 MOONSTONE DRIVE, NAVARRE, FL 32566 |
| Document Number | 0042442027 |
|---|---|
| Date | Feb 11, 2022 |
| Instrument | 4244/2027 |
| Name | LOW VA RATES LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3496 MOONSTONE DR, NAVARRE, FL 32566-9822 |
| Document Number | 0037570244 |
| Instrument Date | Aug 10, 2018 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 7, 2019 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3496 MOONSTONE DR NAVARRE FL 325669822, NAVARRE, FL 32566-9822 |
| Document Number | 0037570244 |
|---|---|
| Date | Aug 15, 2018 |
| Book Page | 003757/000244 |
| Instrument | 34844 |
| Name | MORTGAGE ONE/SOUTH |
|---|---|
| Type | Mortgage Company |
| Address | FORT WALTON BEACH, FL 32548 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 14, 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 | $3,969.00 (-1.68%) Homeowner's exemption | $369,223 (-0.48%) Land $50,000 Building $319,223 | $369,223 (-0.48%) Land $50,000 Building $319,223 |
| 2023 | $4,037.00 (-0.52%) | $370,996 (+4.62%) Land $40,000 Building $330,996 | $370,996 (+4.62%) Land $40,000 Building $330,996 |
| 2022 | $4,058.00 | $354,620 | $354,620 Land $35,000 Building $319,620 |
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 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 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 | Moderate above 66% of the US · above 43% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 116 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