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3537 Moonstone Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 3537 Moonstone Dr, Navarre, FL 32566

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,332 sqft · built 2018
Lot Size0.401 acres (17,468 sqft)
Owner2 Individual Names on File
Last Sale$450,000 (Sep 2023)
Tax Bill$203 (2024)
Deeds & MortgagesOct 2025 Mortgage
Sep 2023 Sale & Mortgage
+ 3 more
Flood ZoneZone X (moderate risk)
APN38-1S-27-5465-00E00-0090

Property Details

APN / Parcel Number

Primary APN38-1S-27-5465-00E00-0090
Alternative APN
  • S27138546500E000090

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,332 sqft Living Area
Gross Area3,100 sqft
1st Floor Area2,332 sqft
FlooringWood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Exterior MaterialBrick
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialWood Shingle
Lot Area17,468 sqft (0.401 acres)
Lot Dimensions250 ft deep x 70 ft wide
Garage TypeAttached
Garage Area441 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area327 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address3537 MOONSTONE DR
CityNAVARRE
StateFL
Zip32566-9823
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionTREASURE ISLE ESTATES 1ST ADD LOT 9 BLK E AS DES IN OR 4431 PG 632
Legal Range27W
Legal Township1S
Legal Section38
Legal SubdivisionTREASURE ISLE ESTS
Legal BlockE
Legal Lot Number9
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group1
Census Block1229
Census Tract10802

Owner

3537 Moonstone Dr is owned and occupied by two individuals who bought it in September 2023.

Source: Santa Rosa County records, as of December 8, 2025

Owner of Record2 Individual Names on File
Mailing Address3537 MOONSTONE DR, NAVARRE, FL 32566-9823
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Oct 31, 2025Deed of Trust, Mortgage · VA Mortgage
MOVEMENT MORTGAGE LLC
Sep 6, 2023Warranty Deed, Transfer · VA Mortgage
MOVEMENT MORTGAGE
Oct 13, 2021Intrafamily Transfer, Transfer · VA Mortgage
NATIONSTAR MORTGAGE LLC
Jul 17, 2018Loan Modification, Mortgage
DHI MTG
Sep 13, 2018Grant Deed
DHI TITLE/FL INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 6, 2023 · Amount on File
Deed SaleSep 6, 2023 · Amount on File
Prior SaleOct 13, 2021
Deed Document Number202340462
Deed Book / Page4431 / 632
Prior Transfer DateFeb 10, 2021
Prior Transfer Doc0041921015
Record UpdatedSep 20, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address3537 MOONSTONE DR, NAVARRE, FL 32566-9823
Transaction TypeMortgage
Record UpdatedNov 20, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address3537 MOONSTONE DR, NAVARRE, FL 32566-9823

Mortgage

Document Number0046750320
DateOct 31, 2025
Book Page4675/320
Instrument202551491
Lender
NameMOVEMENT MORTGAGE LLC
TypeMortgage Company
AddressFORT MILL, SC 29707
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2055

September 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateSep 6, 2023
Property Address3537 MOONSTONE DR, NAVARRE, FL 32566-9823
Document Number0044310632
Book / Page4431 / 632
Map ReferenceMB 12 PG 60-64
Instrument DateJul 13, 2023
Instrument202340462
Transaction TypeTransfer
Record UpdatedSep 28, 2023
Title CompanyAMOUR SETTLEMENT SERVICES LLC, VOXTUR SETTLEMENT SVCS LLC

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,150.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2563 CHEVAL ST APT 103103, 103103, ORLANDO, FL 32828-7629

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address3537 MOONSTONE DR, NAVARRE, FL 32566-9823

Mortgage

Document Number0004431635
DateSep 6, 2023
Instrument4431/635
Lender
NameMOVEMENT MORTGAGE
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueSep 1, 2053

October 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA ROSA FL
Recording DateOct 13, 2021
Property Address3537 MOONSTONE DR, NAVARRE, FL 32566-9823
Document Number0041921015
Book / Page4192 / 1015
Map ReferenceMB 12 PG 60-64
Instrument DateFeb 10, 2021
Instrument202168496
Transaction TypeTransfer
Record UpdatedNov 8, 2021
Title CompanyTITLE 365, TITLE365

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3537 MOONSTONE DR, NAVARRE, FL 32566-9823

Mortgage

Document Number41921019
DateOct 13, 2021
Instrument4192/1019
Lender
NameNATIONSTAR MORTGAGE LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term353 Months
DueMar 1, 2051

July 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionSANTA ROSA FL
Property Address3537 MOONSTONE DR, NAVARRE, FL 32566-9823
Document Number0037650418
Instrument DateJul 17, 2018
Transaction TypeMortgage
Record UpdatedJan 7, 2019

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3537 MOONSTONE DR NAVARRE FL 325669823, NAVARRE, FL 32566-9823

Mortgage

Document Number0037650418
DateSep 12, 2018
Book Page003765/000418
Instrument39106
Lender
NameDHI MTG
TypeMortgage Company
AddressAUSTIN, TX 78750
Agreement
AmountAmount on Record

September 2018: Grant Deed

Document TypeGrant Deed
JurisdictionSANTA ROSA FL
Recording DateSep 13, 2018
Property Address3537 MOONSTONE DR, NAVARRE, FL 32566-9823
Document Number0037651105
Book / Page003765 / 001105
Instrument DateJun 28, 2018
Instrument39330
Record UpdatedJan 7, 2019
Title CompanyDHI TITLE/FL INC

Transaction

AmountAmount on Record
Tax$1,958.95
Amount AccuracyConfirmed

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3537 MOONSTONE DR NAVARRE FL 325669823, NAVARRE, FL 32566-9823

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$381,372 (+2.9%)$385,151 (+3.92%) Land $56,000 Building $329,151
2024$203.00 (-94.91%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$370,624 (+1.07%) Land $50,000 Building $320,624$370,624 (-0.49%) Land $50,000 Building $320,624
2023$3,987.00 (+2.47%) Homeowner's exemption$366,705 (+3%)$372,449 (+4.61%) Land $40,000 Building $332,449
2022$3,891.00 Homeowner's exemption$356,025$356,025 Land $35,000 Building $321,025

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

Flood

FEMA maps place 3537 Moonstone Dr in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
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

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

Wildfire risk around 3537 Moonstone Dr is moderate, ranking above 66% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 66% of the US · above 43% of Florida
Wildfire Likelihood0.2% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemHOLLEY-NAVARRE WATER SYSTEM
public/private · serves 47,793 people · EPA ID FL1570349
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, 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 87 locations within half a mile, as of December 31, 2025

ProviderMax 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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