Santa Rosa County property record for 3576 Moonstone Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,347 sqft · built 2018 |
| Lot Size | 0.507 acres (22,085 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $539,900 (Apr 2023) |
| Tax Bill | $195 (2024) |
| Deeds & Mortgages | Apr 2023 Sale & Mortgage Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 38-1S-27-5465-00F00-0150 |
| Primary APN | 38-1S-27-5465-00F00-0150 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,347 sqft Living Area |
| Gross Area | 2,980 sqft |
| 1st Floor Area | 2,347 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 22,085 sqft (0.507 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 192 sqft |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3576 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 15 BLK F AS DES IN OR 4384 PG 1521 |
| Legal Range | 27W |
| Legal Township | 1S |
| Legal Section | 38 |
| Legal Subdivision | TREASURE ISLE ESTS |
| Legal Block | F |
| Legal Lot Number | 15 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1229 |
| Census Tract | 10802 |
Source: Santa Rosa County records, as of May 21, 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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3576 MOONSTONE DR, NAVARRE, FL 32566-9824 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 13, 2023 | Warranty Deed, Transfer · VA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Jun 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIDELITY BANK |
| Dec 18, 2018 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 13, 2023 · Amount on Record |
| Deed Sale | Apr 13, 2023 · Amount on Record |
| Prior Sale | Dec 18, 2018 · Amount on Record |
| Deed Document Number | 202315758 |
| Deed Book / Page | 4384 / 1521 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 13, 2023 |
| Property Address | 3576 MOONSTONE DR, NAVARRE, FL 32566-9824 |
| Document Number | 0043841521 |
| Book / Page | 4384 / 1521 |
| Map Reference | MB 12 PG 60 |
| Instrument Date | Apr 3, 2023 |
| Instrument | 202315758 |
| Transaction Type | Transfer |
| Record Updated | May 9, 2023 |
| Title Company | RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,779.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6170 DURANGO WAY, DENVER, NC 28037-1428 |
| Name | Verified Name |
|---|---|
| Address | 3576 MOONSTONE DR, NAVARRE, FL 32566-9824 |
| Document Number | 0043841524 |
|---|---|
| Date | Apr 13, 2023 |
| Instrument | 4384/1524 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3576 MOONSTONE DR, NAVARRE, FL 32566-9824 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0039581674 |
|---|---|
| Date | Jun 3, 2020 |
| Book Page | 3958/1674 |
| Instrument | 202026638 |
| Name | FIDELITY BANK |
|---|---|
| Type | Bank |
| Address | MANDEVILLE, LA 70471 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Dec 18, 2018 |
| Property Address | 3576 MOONSTONE DR, NAVARRE, FL 32566-9824 |
| Document Number | 0037910308 |
| Book / Page | 3791 / 0308 |
| Map Reference | MB 12 PG 60-64 |
| Instrument Date | Dec 14, 2018 |
| Instrument | 201853429 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,079.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 25366 PROFIT DR, 25366, DAPHNE, AL 36526-5126 |
| Name | Verified Name |
|---|---|
| Address | 3576 MOONSTONE DR, NAVARRE, FL 32566-9824 |
| Document Number | 0201853430 |
|---|---|
| Date | Dec 18, 2018 |
| Instrument | 201853430 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2049 |
Source: Santa Rosa County assessment roll, as of December 8, 2025
| 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 |
|---|---|---|---|
| 2025 | $393,786 (+2.9%) | $404,636 (+5.74%) Land $56,000 Building $348,636 | |
| 2024 | $195.00 (-92.21%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $382,688 (+60.17%) Land $50,000 Building $332,688 | $382,688 (-0.45%) Land $50,000 Building $332,688 |
| 2023 | $2,502.00 (+3.39%) Homeowner's exemption | $238,933 (+3.56%) | $384,404 (+4.8%) Land $40,000 Building $344,404 |
| 2022 | $2,420.00 Homeowner's exemption | $230,730 | $366,802 Land $35,000 Building $331,802 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 69% of the US · above 49% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
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 87 locations within half a mile, as of December 31, 2025
| Provider | Max 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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