Santa Rosa County property record for 3583 Topaz Cir, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,622 sqft · built 2009 |
| Lot Size | 0.339 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $210,000 (Aug 2017) |
| Tax Bill | $298 (2024) |
| Deeds & Mortgages | Jan 2022 Mortgage Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 38-1S-27-5465-00B00-0090 |
| Primary APN | 38-1S-27-5465-00B00-0090 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,622 sqft Heated Area |
| Gross Area | 3,401 sqft |
| 1st Floor Area | 3,105 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2009 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Lot Area | 14,810 sqft (0.339 acres) |
| Lot Dimensions | 46 ft deep x 3,160 ft wide |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 140 sqft |
| Deck Area | 156 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 381S27546500B000090 |
|---|---|
| Street Address | 3583 TOPAZ CIR |
| City | NAVARRE |
| State | FL |
| Zip | 32566-4708 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | TREASURE ISLE ESTATES LOT 9 BLK B AS DES IN OR 3651 PG 1943 |
| Legal Range | 27W |
| Legal Township | 01S |
| Legal Section | 38 |
| Legal Subdivision | TREASURE ISLE ESTATES |
| Legal Block | B |
| Legal Lot Number | 9 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1233 |
| Census Tract | 10802 |
3583 Topaz Cir is owned and occupied by two individuals who bought it in August 2017.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3583 TOPAZ CIR, NAVARRE, FL 32566-4708 |
| 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 |
|---|---|
| Jan 24, 2022 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Apr 2, 2020 | Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS |
| Aug 14, 2017 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2017 · Amount on File |
| Deed Sale | Aug 14, 2017 · Amount on File |
| Prior Sale | Apr 17, 2009 · Amount on File |
| Deed Document Number | 201733297 |
| Deed Book / Page | 3651 / 1943 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3583 TOPAZ CIR, NAVARRE, FL 32566-4708 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2022 |
| Title Company | FIDELITY NATIONAL TITLE-OR, FIDELITY NATIONAL TTL OF OR |
| Name | Verified Name |
|---|---|
| Address | 3583 TOPAZ CIR, NAVARRE, FL 32566-4708 |
| Document Number | 0042361315 |
|---|---|
| Date | Jan 24, 2022 |
| Book Page | 4236/1315 |
| Instrument | 202204159 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3583 TOPAZ CIR, NAVARRE, FL 32566-4708 |
| Document Number | 0039370134 |
| Instrument Date | Apr 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3583 TOPAZ CIR NAVARRE FL 325664708, NAVARRE, FL 32566-4708 |
| Document Number | 0039370134 |
|---|---|
| Date | Apr 7, 2020 |
| Book Page | 003937/000134 |
| Instrument | 16772 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 6, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Aug 14, 2017 |
| Property Address | 3583 TOPAZ CIR, NAVARRE, FL 32566-4708 |
| Document Number | 0036511943 |
| Book / Page | 003651 / 001943 |
| Instrument Date | Jun 30, 2017 |
| Instrument | 33297 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2017 |
| Title Company | NU WORLD TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,470.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3583 TOPAZ CIR NAVARRE FL 325664708, NAVARRE, FL 32566-4708 |
| Document Number | 36511945 |
|---|---|
| Date | Aug 14, 2017 |
| Book Page | 003651/001945 |
| Instrument | 33298 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 13, 2047 |
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 | $298.00 (+5.67%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $301,698 (+3%) | $346,500 (-0.56%) Land $50,000 Building $296,500 |
| 2023 | $282.00 (+4.83%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $292,911 (+3%) | $348,467 (+4.65%) Land $40,000 Building $308,467 |
| 2022 | $269.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $284,380 | $332,977 Land $35,000 Building $297,977 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3583 Topaz Cir 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 3583 Topaz Cir is moderate, ranking above 69% 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 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 66 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures