Santa Rosa County property record for 3531 Moonstone Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,162 sqft · built 2019 |
| Lot Size | 0.392 acres (17,076 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $625,000 (Jun 2026) |
| Tax Bill | $280 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jul 2021 Mortgage + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 38-1S-27-5465-00E00-0100 |
| Primary APN | 38-1S-27-5465-00E00-0100 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,162 sqft Living Area |
| Gross Area | 3,974 sqft |
| 1st Floor Area | 3,162 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 17,076 sqft (0.392 acres) |
| Garage Type | Attached |
| Garage Area | 424 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 388 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3531 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 10 BLK E AS DES IN OR 4142 PG 2091 |
| Legal Range | 27W |
| Legal Township | 1S |
| Legal Section | 38 |
| Legal Subdivision | TREASURE ISLE ESTS |
| Legal Block | E |
| Legal Lot Number | 10 |
| 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 July 15, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 30 MEADOWBROOKE DR, TROY, IL 62294-2455 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 2, 2026 | Warranty Deed, Transfer · VA Mortgage PRIME LENDING |
| Jul 1, 2021 | Deed of Trust, Mortgage · VA Mortgage BROKER SOLUTIONS INC |
| Jul 1, 2021 | Warranty Deed, Transfer RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP |
| Apr 2, 2020 | Deed of Trust, Mortgage · VA Mortgage LAKEVIEW CMNTY CAP LLC |
| Jun 10, 2019 | Warranty Deed, Subdivision Related Transfer · VA Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 2, 2026 · Amount on Record |
| Deed Sale | Jun 2, 2026 · Amount on Record |
| Prior Sale | Jul 1, 2021 · Amount on Record |
| Deed Document Number | 202627582 |
| Deed Book / Page | 4750 / 1733 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jun 2, 2026 |
| Property Address | 3531 MOONSTONE DR, NAVARRE, FL 32566-9823 |
| Document Number | 0000027582 |
| Book / Page | 4750 / 1733 |
| Instrument Date | May 28, 2026 |
| Instrument | 202627582 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | BRADLEY TITLE CORPORATION, BRADLEY TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $441,875.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 30 MEADOWBROOKE DR, TROY, IL 62294-2455 |
| Investor | Possibly a Property Investor |
| Document Number | 0000027583, |
|---|---|
| Date | Jun 2, 2026 |
| Instrument | 202627583 |
| Name | PRIME LENDING |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3531 MOONSTONE DR, NAVARRE, FL 32566-9823 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2023 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 1869 SUN GAZER DR, ROCKLEDGE, FL 32955-6334 |
| Document Number | 0041430001 |
|---|---|
| Date | Jul 1, 2021 |
| Book Page | 4143/1 |
| Instrument | 202144632 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Address | CRESTVIEW, FL 32536 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jul 1, 2021 |
| Property Address | 3531 MOONSTONE DR, NAVARRE, FL 32566-9823 |
| Document Number | 0041422091 |
| Book / Page | 4142 / 2091 |
| Map Reference | MB 12 PG 60 |
| Instrument Date | Jun 29, 2021 |
| Instrument | 202144631 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,150.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1011 NORTHRIDGE DR, 1011, RAPID CITY, SD 57701-7905 |
| Name | Verified Name |
|---|---|
| Address | 1869 SUN GAZER DR, ROCKLEDGE, FL 32955-6334 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3531 MOONSTONE DR, NAVARRE, FL 32566-9823 |
| Document Number | 0039371713 |
| Instrument Date | Apr 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2020 |
| Title Company | WFG LENDER SERVICES, WFG LENDER SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3531 MOONSTONE DR NAVARRE FL 325669823, NAVARRE, FL 32566-9823 |
| Document Number | 0039371713 |
|---|---|
| Date | Apr 9, 2020 |
| Book Page | 003937/001713 |
| Instrument | 17113 |
| Name | LAKEVIEW CMNTY CAP LLC |
|---|---|
| Address | HORSHAM, PA 19044 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 8, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jun 10, 2019 |
| Property Address | 3531 MOONSTONE DR, NAVARRE, FL 32566-9823 |
| Document Number | 0038371638 |
| Book / Page | 3837 / 1638 |
| Map Reference | MB 12 PG 60-64 |
| Instrument Date | May 31, 2019 |
| Instrument | 201924205 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 2, 2022 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,555.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 25366 PROFIT DR, 25366, DAPHNE, AL 36526-5126 |
| Name | Verified Name |
|---|---|
| Address | 3531 MOONSTONE DR, NAVARRE, FL 32566-9823 |
| Investor | Possibly a Property Investor |
| Document Number | 0038371640 |
|---|---|
| Date | Jun 10, 2019 |
| Instrument | 3837/1640 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2049 |
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 | $280.00 (+7.69%) Homeowner's exemption Veteran's exemption | $442,424 (+2.9%) | $531,189 (+8.75%) Land $56,000 Building $475,189 |
| 2024 | $260.00 (+7.44%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $429,955 (+3%) | $488,448 (-1.13%) Land $50,000 Building $438,448 |
| 2023 | $242.00 (+6.61%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $417,432 (+6.84%) | $494,043 (+10.22%) Land $40,000 Building $454,043 |
| 2022 | $227.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $390,711 | $448,214 Land $35,000 Building $413,214 |
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 X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 | Moderate above 66% of the US · above 43% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 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 |
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