Santa Rosa County property record for 3525 Ginger Ln, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,686 sqft · built 2014 |
| Lot Size | 1.32 acres (57,761 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $150 (2024) |
| Deeds & Mortgages | May 2021 Mortgage Jan 2017 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 39-1S-27-0000-02122-0000 |
| Primary APN | 39-1S-27-0000-02122-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,686 sqft Living Area |
| Gross Area | 2,202 sqft |
| 1st Floor Area | 1,686 sqft |
| Flooring | Marble |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 57,761 sqft (1.32 acres) |
| Lot Dimensions | 314 ft deep x 184 ft wide |
| Garage Area | 624 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 516 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3525 GINGER LN |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-9617 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG-RR |
| Legal Description | *DESCRIPTION UPDATED FOR 2024* COM AT A PT ON E LINE OF SECTION 39 TOWNSHIP 1 SOUTH RANGE 27 WEST WHICH IS 198 FT N OF SE CORN OF NE4 THN W 388 FT TO POB ON W LN OF 30 FT RD THN CONT W 184 FT THN N 554 FT THN E 184 FT TO RD THN S 554 FT TO POB LESS T |
| Legal Range | 27W |
| Legal Township | 1S |
| Legal Section | 39 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1218 |
| Census Tract | 10802 |
3525 Ginger Ln is owned by two individuals who acquired it in June 2024.
Source: Santa Rosa County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1430 COLLEGE PKWY, GULF BREEZE, FL 32563-2714 |
| Owner Type | Individual |
| Vesting | Tenants in Common |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 5, 2021 | Intrafamily Transfer, Transfer · VA Mortgage FIRST FEDERAL BANK |
| Jan 23, 2017 | Deed of Trust, Mortgage · Line of Credit PEN AIR FCU |
| Jan 8, 2019 | Deed of Trust, Mortgage · VA Mortgage PEN AIR FCU |
| Dec 3, 2019 | Deed of Trust, Mortgage · VA Mortgage PEN AIR FEDERAL CU |
| Oct 28, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 5, 2021 |
| Deed Sale | May 5, 2021 |
| Prior Sale | May 15, 2012 · Amount on File |
| Deed Document Number | 202129844 |
| Deed Book / Page | 4113 / 1482 |
| Last Transfer Date | Jun 12, 2024 |
| Transfer Doc | 0045250650 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | May 5, 2021 |
| Property Address | 3525 GINGER LN, NAVARRE, FL 32566-9617 |
| Document Number | 0041131482 |
| Book / Page | 4113 / 1482 |
| Instrument Date | Apr 23, 2021 |
| Instrument | 202129844 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3525 GINGER LN, NAVARRE, FL 32566-9617 |
| Document Number | 41131487 |
|---|---|
| Date | May 5, 2021 |
| Instrument | 4113/1487 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3525 GINGER LN, NAVARRE, FL 32566-9617 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0035921431 |
|---|---|
| Date | Jan 23, 2017 |
| Book Page | 3592/1431 |
| Instrument | 201702466 |
| Name | PEN AIR FCU |
|---|---|
| Type | Credit Union |
| Address | PENSACOLA, FL 32514 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 22, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3525 GINGER LN, NAVARRE, FL 32566-9617 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0037951382 |
|---|---|
| Date | Jan 8, 2019 |
| Book Page | 3795/1382 |
| Instrument | 201900726 |
| Name | PEN AIR FCU |
|---|---|
| Type | Credit Union |
| Address | PENSACOLA, FL 32504 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3525 GINGER LN, NAVARRE, FL 32566-9617 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0038952069 |
|---|---|
| Date | Dec 3, 2019 |
| Book Page | 3895/2069 |
| Instrument | 201954414 |
| Name | PEN AIR FEDERAL CU |
|---|---|
| Type | Credit Union |
| Address | PENSACOLA, FL 32504 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Oct 28, 2020 |
| Property Address | 3525 GINGER LN, NAVARRE, FL 32566-9617 |
| Document Number | 0040210063 |
| Book / Page | 004021 / 000063 |
| Instrument Date | Oct 26, 2020 |
| Instrument | 56497 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 1430 COLLEGE PKWY GULF BREEZE FL 325632714, GULF BREEZE, FL 32563-2714 |
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 | $229,852 (+40.84%) | $291,773 (+6.06%) Land $56,200 Building $235,573 | |
| 2024 | $150.00 (+7.14%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $163,199 (+3%) | $275,112 (+4.91%) Land $44,960 Building $230,152 |
| 2023 | $140.00 (+6.87%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $158,446 (+3%) | $262,238 (+7.23%) Land $33,720 Building $228,518 |
| 2022 | $131.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $153,831 | $244,562 Land $31,472 Building $213,090 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3525 Ginger Ln in Zone X, an area of minimal flood risk, though there have been 133 flood claims nearby since 1995.
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 minimal risk |
|---|---|
| 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 |
|
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 risk around 3525 Ginger Ln is moderate, ranking above 68% 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 | Moderate above 68% of the US · above 48% 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.
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 49 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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