3548 Bob Tolbert Rd, Navarre, FL 32566 Property Records

Santa Rosa County property record for 3548 Bob Tolbert Rd, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,718 sqft · built 2022
Lot Size	0.306 acres (13,329 sqft)
Owner	2 Individual Names on File
Last Sale	$549,500 (Sep 2022)
Tax Bill	$246 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`39-1S-27-0000-04044-0000`

Property Details

APN / Parcel Number

Primary APN	`39-1S-27-0000-04044-0000`
Alternative APN	`S271390000040440000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,718 sqft Living Area
Gross Area	3,500 sqft
1st Floor Area	2,718 sqft
Flooring	Wood

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Brick
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	13,329 sqft (0.306 acres)
Lot Dimensions	178 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	540 sqft
Porch	Slab
Porch Area	242 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3548 BOB TOLBERT RD
City	NAVARRE
State	FL
Zip	32566-9632
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	DESCRIPTION UPDATE FOR 2023* SECTION 39 TOWNSHIP 1 SOUTH RANGE 27 WEST PARCEL 138: COM AT NW COR OF SE4 OF NE4 OF SECTION 39 THN GO S01*4957W ALONG W LINE OF SE4 OF NE4 OF SAID SECTION 39, FOR 1320.00 FT TO NW COR OF NE4 OF SE4 OF SAID SECTION 39 S
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1214
Census Tract	10802

Owner

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

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 File
Mailing Address	3548 BOB TOLBERT RD, NAVARRE, FL 32566-9632
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 19, 2022 · Amount on Record
Deed Sale	Sep 19, 2022 · Amount on Record
Deed Document Number	202253765
Deed Book / Page	4327 / 350
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 19, 2022
Property Address	3548 BOB TOLBERT RD, NAVARRE, FL 32566-9632
Document Number	0043270350
Book / Page	4327 / 350
Instrument Date	Sep 16, 2022
Instrument	202253765
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 16, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,846.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1903 ANDORRA ST, NAVARRE, FL 32566-9111

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11580 SW 9TH CT, PEMBROKE PINES, FL 33025-4324

Mortgage

Document Number	0004327353
Date	Sep 19, 2022
Instrument	4327/353

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 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	$246.00 (+7.42%) Homeowner's exemption Veteran's exemption	$407,842 (+2.9%)	$420,410 (+4.77%) Land $50,000 Building $370,410
2024	$229.00 (+7.51%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$396,348 (+3%)	$401,255 (+4.28%) Land $40,000 Building $361,255
2023	$213.00 (-40.5%)	$384,804 (+1,274.3%) Land $30,000 Building $354,804	$384,804 (+1,274.3%) Land $30,000 Building $354,804
2022	$358.00	$28,000	$28,000 Land $28,000

Assessed value is set for property tax purposes, not a market price estimate; it is 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	High above 72% of the US · above 56% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation at the parcel

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 Communications Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20