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3530 Ginger Ln, Navarre, FL 32566 Property Records

Santa Rosa County property record for 3530 Ginger Ln, Navarre, FL 32566

Property Summary

Property TypeSingle Family Home
Details2 bd · 1.5 ba · 984 sqft · built 1983
Lot Size1.23 acres (53,622 sqft)
Owner2 Individual Names on File
Last Sale$210,000 (Nov 2022)
Tax Bill$2,037 (2024)
Deeds & MortgagesNov 2022 Sale & Mortgage
Sep 2022 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN39-1S-27-0000-02114-0000

Property Details

APN / Parcel Number

Primary APN39-1S-27-0000-02114-0000
Alternative APN
  • S271390000021140000

Interior

Bedrooms2 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area984 sqft Living Area
Gross Area2,184 sqft
1st Floor Area984 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1983
Effective Year BuiltEffective 1983
Exterior MaterialWood Siding
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialWood Shingle
Lot Area53,622 sqft (1.23 acres)
Lot Dimensions358 ft deep x 100 ft wide

Exterior Amenities

PorchOpen Porch
Porch Area1,200 sqft
Shed1 Shed
Shed Area1 sqft
Stable1 sqft

Utilities, Heating & Cooling

Cooling SystemWindow A/C
Heating SystemForced Air with A/C

Location & Zoning

Street Address3530 GINGER LN
CityNAVARRE
StateFL
Zip32566-9616
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAG-RR
Legal Description*DESCRIPTION UPDATE FOR 2023* COM AT A PT ON E LINE OF SEC 733.5 FT S OF NE COR OF SE4 OF NE4 OF SECTION 39 TOWNSHIP 1 SOUTH RANGE 27 WEST TH S 100 FT TH W 179 FT TH N 100 FT TH E 179 FT TO POB & ALSO COM AT PT ON E LINE OF SEC 733.5 FT S OF NE COR O
Legal Range27W
Legal Township1S
Legal Section39
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group1
Census Block1218
Census Tract10802

Owner

Source: Santa Rosa County records · APN 39-1S-27-0000-02114-0000

Assessment roll updated December 8, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address3530 GINGER LN, NAVARRE, FL 32566-9616
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 14, 2022Warranty Deed, Transfer · FHA Mortgage
REGIONS BANK
Sep 23, 2022Deed of Trust, Mortgage · Stand-Alone First Mortgage
MARK D MITCHELL
May 27, 2022Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 14, 2022 · Amount on Record
Deed SaleNov 14, 2022 · Amount on Record
Prior SaleJun 16, 2005 · Amount on Record
Deed Document Number202263522
Deed Book / Page4344 / 497
Prior Transfer DateMay 27, 2022
Prior Transfer Doc0042890740
Record UpdatedSep 20, 2026

November 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateNov 14, 2022
Property Address3530 GINGER LN, NAVARRE, FL 32566-9616
Document Number0043440497
Book / Page4344 / 497
Instrument DateNov 09, 2022
Instrument202263522
Transaction TypeTransfer
Record UpdatedMar 27, 2026
Title CompanyEMERALD COAST TITLE INC - GULF BREEZE, EMERALD COAST TTL INC GULF B

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,470.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5540 TRACTOR TRL, JAY, FL 32565-2604

Transferred To (Grantee/Buyer)

NameVerified Name
Address3530 GINGER LN, NAVARRE, FL 32566-9616

Mortgage

Document Number0004344499
DateNov 14, 2022
Instrument4344/499
Lender
NameREGIONS BANK
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2052

September 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address3530 GINGER LN, NAVARRE, FL 32566-9616
Transaction TypeMortgage
Record UpdatedNov 02, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0043290248
DateSep 23, 2022
Book Page4329/248
Instrument202254945
Lender
NameMARK D MITCHELL
TypePrivate Party
Address2101 BANQUOS TRL, PENSACOLA, FL 32503
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

May 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA ROSA FL
Recording DateMay 27, 2022
Property Address3530 GINGER LN, NAVARRE, FL 32566-9616
Document Number0042890740
Book / Page4289 / 740
Instrument DateMay 27, 2022
Instrument202232427
Transaction TypeTransfer
Record UpdatedJun 30, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5540 TRACTOR TRL, JAY, FL 32565-2604

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$193,141 (+15.81%) Land $66,400 Building $126,741$193,141 (+15.81%) Land $66,400 Building $126,741
2024$2,037.00 (+8.64%)$166,777 (+11.14%) Land $53,120 Building $113,657$166,777 (+11.14%) Land $53,120 Building $113,657
2023$1,875.00 (+12.82%)$150,060 (+12.53%) Land $39,840 Building $110,220$150,060 (+12.53%) Land $39,840 Building $110,220
2022$1,662.00$133,349$133,349 Land $37,184 Building $96,165

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 18, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 198 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies198 in force
Nearby Flood Claims133 (1995–2024)
Claims Outside the SFHA28 of 133
Most Recent ClaimJun 2024 · rainfall accumulation
Claims by Event
  • Hurricane Sally, Sep 2020 · 31 claims
  • Hurricane Frances, Sep 2004 · 68 claims
  • Hurricane Opal, Oct 1995 · 16 claims

Wildfire

Wildfire RiskModerate
above 68% of the US · above 48% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Mediacom Communications
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20

Based on FCC filings for 49 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemHOLLEY-NAVARRE WATER SYSTEM
public/private · serves 47,793 people
Water SourceGroundwater
Last State InspectionOct 2025
Lead6 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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