3501 Topaz Cir, Navarre, FL 32566 Property Records

Santa Rosa County property record for 3501 Topaz Cir, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,665 sqft · built 2009
Lot Size	0.255 acres (11,151 sqft)
Owner	Individual Name on File
Last Sale	$320,000 (Sep 2020)
Tax Bill	$3,279 (2024)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`38-1S-27-5465-00B00-0170`

Property Details

APN / Parcel Number

Primary APN	`38-1S-27-5465-00B00-0170`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,665 sqft Heated Area
Gross Area	3,690 sqft
1st Floor Area	3,194 sqft
Flooring	Ceramic Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2009
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	11,151 sqft (0.255 acres)
Lot Dimensions	1,490 ft deep x 750 ft wide
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	133 sqft
Patio Area	363 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	381S27546500B000170
Street Address	3501 TOPAZ CIR
City	NAVARRE
State	FL
Zip	32566-4708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TREASURE ISLE ESTATES LOT 17 BLK B AS DES IN OR 4000 PG 1252
Legal Range	27W
Legal Township	01S
Legal Section	38
Legal Subdivision	TREASURE ISLE ESTATES
Legal Block	B
Legal Lot Number	17
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1233
Census Tract	10802

Owner

3501 Topaz Cir is owned and occupied by an individual who bought it in September 2020.

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	3501 TOPAZ CIR, NAVARRE, FL 32566-4708
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2020 · Amount on File
Deed Sale	Sep 4, 2020 · Amount on File
Prior Sale	May 27, 2016 · Amount on File
Deed Document Number	0040001252
Deed Book / Page	4000 / 1252
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 4, 2020
Property Address	3501 TOPAZ CIR, NAVARRE, FL 32566-4708
Document Number	0040001252
Book / Page	4000 / 1252
Map Reference	MB 10 PG 21
Instrument Date	Sep 4, 2020
Instrument	202046081
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3501 TOPAZ CIR, 3501, NAVARRE, FL 32566-4708

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	38 CARSON DR SE APT 304, 304, FT WALTON BCH, FL 32548-5583

Mortgage

Document Number	0040001255
Date	Sep 4, 2020
Instrument	4000/1255

Lender

Name	MORTGAGE ONE OF THE SOUTH INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

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	$3,279.00 (+2.12%) Homeowner's exemption	$300,655 (+3%)	$365,201 (-0.6%) Land $50,000 Building $315,201
2023	$3,211.00 (+2.59%) Homeowner's exemption	$291,898 (+3%)	$367,408 (+4.51%) Land $40,000 Building $327,408
2022	$3,130.00 Homeowner's exemption	$283,396	$351,550 Land $35,000 Building $316,550

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3501 Topaz Cir 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	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

Wildfire risk around 3501 Topaz Cir is high, ranking above 75% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 75% of the US · above 61% of Florida
Wildfire Likelihood	0.3% 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 87 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20