Santa Rosa County property record for 3513 Moonstone Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,870 sqft · built 2019 |
| Lot Size | 0.401 acres (17,468 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $257,450 (Mar 2019) |
| Tax Bill | $3,917 (2024) |
| Deeds & Mortgages | Jan 2020 Mortgage Mar 2019 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 38-1S-27-5465-00E00-0120 |
| Primary APN | 38-1S-27-5465-00E00-0120 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,870 sqft Heated Area |
| Gross Area | 3,165 sqft |
| 1st Floor Area | 2,332 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 17,468 sqft (0.401 acres) |
| Lot Dimensions | 2,500 ft deep x 700 ft wide |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 184 sqft |
| Patio Area | 649 sqft |
| Gazebo | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 381S27546500E000120 |
|---|---|
| Street Address | 3513 MOONSTONE DR |
| City | NAVARRE |
| State | FL |
| Zip | 32566-9823 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | TREASURE ISLE ESTATES 1ST ADD LOT 12 BLK E AS DES IN OR 3811 PG 718 |
| Legal Range | 27W |
| Legal Township | 01S |
| Legal Section | 38 |
| Legal Subdivision | TREASURE ISLE ESTATES |
| Legal Block | E |
| Legal Lot Number | 12 |
| 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 |
|---|---|
| Mailing Address | PO BOX 165, LONG BEACH, MS 39560-0165 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 3, 2020 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC |
| Mar 14, 2019 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 14, 2019 · Amount on Record |
| Deed Sale | Mar 14, 2019 · Amount on Record |
| Deed Document Number | 201909966 |
| Deed Book / Page | 3811 / 0718 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3513 MOONSTONE DR, NAVARRE, FL 32566-9823 |
| Document Number | 0039071544 |
| Instrument Date | Jan 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3513 MOONSTONE DR NAVARRE FL 325669823, NAVARRE, FL 32566-9823 |
| Document Number | 0039071544 |
|---|---|
| Date | Jan 9, 2020 |
| Book Page | 003907/001544 |
| Instrument | 1249 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 8, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Mar 14, 2019 |
| Property Address | 3513 MOONSTONE DR, NAVARRE, FL 32566-9823 |
| Document Number | 0038110718 |
| Book / Page | 3811 / 0718 |
| Map Reference | MB 12 PG 60-64 |
| Instrument Date | Mar 8, 2019 |
| Instrument | 201909966 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,802.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 25366 PROFIT DR, 25366, DAPHNE, AL 36526-5126 |
| Name | Verified Name |
|---|---|
| Address | 3513 MOONSTONE DR, NAVARRE, FL 32566-9823 |
| Document Number | 0201909967 |
|---|---|
| Date | Mar 14, 2019 |
| Instrument | 201909967 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2049 |
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 | $3,917.00 (+59.36%) | $329,885 (+38.88%) Land $50,000 Building $279,885 | $329,885 (+1.24%) Land $50,000 Building $279,885 |
| 2023 | $2,458.00 (+2.76%) Homeowner's exemption | $237,530 (+3%) | $325,853 (+5.75%) Land $40,000 Building $285,853 |
| 2022 | $2,392.00 Homeowner's exemption | $230,612 | $308,137 Land $35,000 Building $273,137 |
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 |
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