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3554 Bob Tolbert Rd, Navarre, FL 32566 Property Records

Santa Rosa County property record for 3554 Bob Tolbert Rd, Navarre, FL 32566

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,718 sqft · built 2022
Lot Size0.252 acres (10,977 sqft)
OwnerIndividual Name on Record
Last Sale$549,500 (Aug 2022)
Tax Bill$229 (2024)
Deeds & MortgagesAug 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN39-1S-27-0000-04043-0000

Property Details

APN / Parcel Number

Primary APN39-1S-27-0000-04043-0000
Alternative APN
  • S271390000040430000

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,718 sqft Living Area
Gross Area3,500 sqft
1st Floor Area2,718 sqft
FlooringWood

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Exterior MaterialBrick
Construction TypeWood
Roof MaterialWood Shingle
Lot Area10,977 sqft (0.252 acres)
Lot Dimensions157 ft deep x 70 ft wide
Garage TypeAttached
Garage Area540 sqft
PorchFinished/Open Porch
Porch Area242 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address3554 BOB TOLBERT RD
CityNAVARRE
StateFL
Zip32566-9632
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal Description*DESC UPDATE FOR 2022** PARCEL 137: COM AT NW COR OF SE4 OF NE4 OF 39-1S-27W THN GO S01*4957W 1320.00 FT TO PT BEING POB THN S87*5619E ALONG A S LINE OF SAID PARCEL FOR 70.00 FT TO A PT; THN GO S01*5628W FOR 166.79 FT TO A PT ON NLY R/W LINE BOB TOLB
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group1
Census Block1214
Census Tract10802

Owner

Source: Santa Rosa County records, as of January 13, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address3554 BOB TOLBERT RD, NAVARRE, FL 32566-9632
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 19, 2022 · Amount on Record
Deed SaleAug 19, 2022 · Amount on Record
Deed Document Number202248727
Deed Book / Page4318 / 996
Record UpdatedSep 20, 2026

August 2022: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateAug 19, 2022
Property Address3554 BOB TOLBERT RD, NAVARRE, FL 32566-9632
Document Number0043180996
Book / Page4318 / 996
Instrument DateAug 19, 2022
Instrument202248727
Transaction TypeSubdivision Related Transfer
Record UpdatedApr 16, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,846.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1903 ANDORRA ST, NAVARRE, FL 32566-9111

Transferred To (Grantee/Buyer)

NameVerified Name
Address400 MATTIE M KELLY BLVD UNIT 17, 17, DESTIN, FL 32541-3231
InvestorPossibly a Property Investor

Mortgage

Document Number0004318999
DateAug 19, 2022
Instrument4318/999
Lender
NameUNIVERSITY LENDING GROUP LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2052

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$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 (-58.88%)$384,804 (+1,274.3%) Land $30,000 Building $354,804$384,804 (+1,274.3%) Land $30,000 Building $354,804
2022$518.00$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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
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

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

Wildfire RiskHigh
above 72% of the US · above 56% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
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 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 49 locations within half a mile, as of December 31, 2025

ProviderMax 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

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