3536 Ginger Ln, Navarre, FL 32566 Property Records

Santa Rosa County property record for 3536 Ginger Ln, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,696 sqft · built 1984
Lot Size	0.821 acres (35,763 sqft)
Owner	Individual Name on Record
Last Sale	$355,000 (Aug 2022)
Tax Bill	$2,597 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`39-1S-27-0000-02108-0000`

Property Details

APN / Parcel Number

Primary APN	`39-1S-27-0000-02108-0000`
Alternative APN	`S271390000021080000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,696 sqft Living Area
Gross Area	2,150 sqft
1st Floor Area	1,696 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1999
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	35,763 sqft (0.821 acres)
Lot Dimensions	358 ft deep x 100 ft wide
Garage Area	360 sqft
RV Parking	RV Parking

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Patio Area	196 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3536 GINGER LN
City	NAVARRE
State	FL
Zip	32566-9616
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	FOR POB COMM AT A PT OF TH E LI OF SECTION 39 TOWNSHIP 1 SOUTH RANGE 27 WEST 633.5 FT S OF TH NE COR OF SE4 OF NE4 THN S ALNG SEC LI 100 FT THN W 358 FT TO TH E LI OF A COUNTY RD THN N ON RD 100 FT THN E 358 FT TO POB AS DES IN OR 4312 PG 1459
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

Owner

Source: Santa Rosa County records, as of July 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	3536 GINGER LN, NAVARRE, FL 32566-9616
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2022 · Amount on Record
Deed Sale	Aug 3, 2022 · Amount on Record
Prior Sale	Oct 23, 2012 · Amount on Record
Deed Document Number	202245595
Deed Book / Page	4312 / 1459
Prior Transfer Date	Feb 9, 1999
Prior Transfer Doc	1741001184
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 3, 2022
Property Address	3536 GINGER LN, NAVARRE, FL 32566-9616
Document Number	0043121459
Book / Page	4312 / 1459
Instrument Date	Aug 1, 2022
Instrument	202245595
Transaction Type	Transfer
Record Updated	Sep 9, 2022
Title Company	EMERALD COAST TITLE INC - GULF BREEZE, EMERALD COAST TTL INC GULF B

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,485.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1107 JOHN SMITH TRCE, 1107, HAMPTON, VA 23665-2441

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3536 GINGER LN, NAVARRE, FL 32566-9616

Mortgage

Document Number	0043121462
Date	Aug 3, 2022
Instrument	4312/1462

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

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
2025	$2,597.00 (+3.63%) Homeowner's exemption	$252,326 (+2.9%)	$277,824 (+13.3%) Land $58,300 Building $219,524
2024	$2,506.00 (-10.95%) Homeowner's exemption	$245,215 (+6.03%) Land $46,640 Building $198,575	$245,215 (+6.03%) Land $46,640 Building $198,575
2023	$2,814.00 (+181.12%) Homeowner's exemption	$231,276 (+105.49%) Land $34,980 Building $196,296	$231,276 (+14.77%) Land $34,980 Building $196,296
2022	$1,001.00 Homeowner's exemption	$112,548	$201,519 Land $32,648 Building $168,871

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 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	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

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.

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 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