Santa Rosa County property record for 3544 Moonstone Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,480 sqft · built 2018 |
| Lot Size | 0.305 acres (13,329 sqft) |
| Owner | Individual Name on File |
| Last Sale | $375,000 (Feb 2021) |
| Tax Bill | $4,250 (2024) |
| Deeds & Mortgages | Jul 2022 Line of Credit Feb 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 38-1S-27-5465-00F00-0130 |
| Primary APN | 38-1S-27-5465-00F00-0130 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 2,480 sqft Heated Area |
| Gross Area | 3,173 sqft |
| 1st Floor Area | 2,921 sqft |
| Upper Floors Area | 1,298 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Lot Area | 13,329 sqft (0.305 acres) |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 252 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 381S27546500F000130 |
|---|---|
| Street Address | 3544 MOONSTONE DR |
| City | NAVARRE |
| State | FL |
| Zip | 32566-9824 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | TREASURE ISLE ESTATES 1ST ADD LOT 13 BLK F AS DES IN OR 4070 PG 682 |
| Legal Range | 27W |
| Legal Township | 01S |
| Legal Section | 38 |
| Legal Subdivision | TREASURE ISLE ESTATES |
| Legal Block | F |
| Legal Lot Number | 13 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1229 |
| Census Tract | 10802 |
3544 Moonstone Dr is owned and occupied by an individual who bought it in February 2021.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3544 MOONSTONE DR, NAVARRE, FL 32566-9824 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jul 15, 2022 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Feb 11, 2021 | Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK |
| Jan 10, 2020 | Deed of Trust, Mortgage · VA Mortgage TRIDENT HM LNS |
| Apr 8, 2019 | Warranty Deed, Subdivision Related Transfer · VA Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 11, 2021 · Amount on File |
| Deed Sale | Feb 11, 2021 · Amount on File |
| Prior Sale | Apr 8, 2019 · Amount on File |
| Deed Document Number | 202109077 |
| Deed Book / Page | 4070 / 682 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3544 MOONSTONE DR, NAVARRE, FL 32566-9824 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3544 MOONSTONE DR, NAVARRE, FL 32566-9824 |
| Document Number | 0043060921 |
|---|---|
| Date | Jul 15, 2022 |
| Book Page | 4306/921 |
| Instrument | 202241964 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 25, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Feb 11, 2021 |
| Property Address | 3544 MOONSTONE DR, NAVARRE, FL 32566-9824 |
| Document Number | 0040700682 |
| Book / Page | 4070 / 682 |
| Map Reference | MB 12 PG 60-64 |
| Instrument Date | Feb 3, 2021 |
| Instrument | 202109077 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | EMERALD COAST TITLE INC - GULF BREEZE, EMERALD COAST TTL INC GULF B |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,625.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9381 KATHERINE WAY, 9381, FANNING SPRINGS, FL 32693-6821 |
| Name | Verified Name |
|---|---|
| Address | 3544 MOONSTONE DR, NAVARRE, FL 32566-9824 |
| Document Number | 0004070684 |
|---|---|
| Date | Feb 11, 2021 |
| Instrument | 4070/684 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 317 Months |
| Due | Jul 30, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3544 MOONSTONE DR, NAVARRE, FL 32566-9824 |
| Document Number | 0039100177 |
| Instrument Date | Jan 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3544 MOONSTONE DR NAVARRE FL 325669824, NAVARRE, FL 32566-9824 |
| Document Number | 0039100177 |
|---|---|
| Date | Jan 17, 2020 |
| Book Page | 003910/000177 |
| Instrument | 2539 |
| Name | TRIDENT HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | PENSACOLA, FL 32501 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 16, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 8, 2019 |
| Property Address | 3544 MOONSTONE DR, NAVARRE, FL 32566-9824 |
| Document Number | 0038171992 |
| Book / Page | 3817 / 1992 |
| Map Reference | MB 12 PG 60-64 |
| Instrument Date | Apr 1, 2019 |
| Instrument | 201913728 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 2, 2022 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,994.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 25366 PROFIT DR, 25366, DAPHNE, AL 36526-5126 |
| Name | Verified Name |
|---|---|
| Address | 3544 MOONSTONE DR, NAVARRE, FL 32566-9824 |
| Document Number | 0038171994 |
|---|---|
| Date | Apr 8, 2019 |
| Instrument | 3817/1994 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2049 |
Source: Santa Rosa County assessment roll, as of July 1, 2024
| 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 |
|---|---|---|---|
| 2024 | $4,250.00 (-0.28%) Homeowner's exemption | $393,488 (+0.87%) Land $50,000 Building $343,488 | $393,488 (-0.67%) Land $50,000 Building $343,488 |
| 2023 | $4,262.00 (+2.45%) Homeowner's exemption | $390,103 (+3%) | $396,158 (+4.6%) Land $40,000 Building $356,158 |
| 2022 | $4,160.00 Homeowner's exemption | $378,741 | $378,741 Land $35,000 Building $343,741 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3544 Moonstone Dr in Zone X, an area of moderate flood risk, within 500 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 Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 3544 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 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 116 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 |
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