3498 Turquoise Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 3498 Turquoise Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,071 sqft · built 2023
Lot Size	0.37 acres (16,117 sqft)
Owner	Company Name on Record
Last Sale	$430,000 (Sep 2023)
Tax Bill	$3,484 (2024)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`38-1S-27-0000-00498-0000`

Property Details

APN / Parcel Number

Primary APN	`38-1S-27-0000-00498-0000`
Alternative APN	`S271380000004980000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,071 sqft Living Area
Gross Area	2,847 sqft
1st Floor Area	2,071 sqft
Flooring	Wood

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Brick
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	16,117 sqft (0.37 acres)
Garage Type	Attached
Garage Area	483 sqft
Porch	Finished/Open Porch
Porch Area	293 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3498 TURQUOISE DR
City	NAVARRE
State	FL
Zip	32566-9826
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	DESCRIPTION UPDATE FOR 2024 BEGIN AT THE NORTHWEST CORNER OF THE SOUTHEAST QUARTER OF SECTION 38, TOWNSHIP 1 SOUTH, RANGE 27 WEST, SANTA ROSA COUNTY, FLORIDA; THENCE PROCEED NORTH 89 DEGREES 40 MINUTES 33 SECONDS EAST ALONG THE NORTH LINE OF SAID S
Legal Range	27W
Legal Township	1S
Legal Section	38
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1229
Census Tract	10802

Owner

Source: Santa Rosa County records, as of May 21, 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	Company Name on Record
Mailing Address	1903 ANDORRA ST, NAVARRE, FL 32566-9111
Owner Type	Company
Vesting	Limited Partnership

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2023 · Amount on Record
Deed Sale	Sep 29, 2023 · Amount on Record
Deed Document Number	202344534
Deed Book / Page	4438 / 1958
Last Transfer Date	Aug 1, 2024
Transfer Doc	0045280015
Record Updated	Sep 20, 2026

September 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 29, 2023
Property Address	NAVARRE, FL 32566
Document Number	0044381958
Book / Page	4438 / 1958
Instrument Date	Sep 29, 2023
Instrument	202344534
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 27, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1903 ANDORRA ST, NAVARRE, FL 32566-9111

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1042 BROADWAY DR, HURLBURT FIELD, FL 32544-1096

Mortgage

Document Number	0044381961
Date	Sep 29, 2023
Instrument	4438/1961

Lender

Name	UNIVERSITY BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$3,484.00 (+437.65%) Homeowner's exemption	$328,096 (+446.83%) Land $60,000 Building $268,096	$328,096 (+446.83%) Land $60,000 Building $268,096
2023	$648.00 (+28.57%)	$60,000 (-) Land $60,000	$60,000 (-) Land $60,000
2022	$504.00	$60,000	$60,000 Land $60,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	10.0 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	Hurricane Sally, Sep 2020 · 31 claims Hurricane Frances, Sep 2004 · 68 claims Hurricane Opal, Oct 1995 · 16 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 65% of the US · above 41% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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