3585 Ginger Ln, Navarre, FL 32566 Property Records

Santa Rosa County property record for 3585 Ginger Ln, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,192 sqft · built 2017
Lot Size	1.01 acres (44,126 sqft)
Owner	2 Individual Names on Record
Last Sale	$100 (Nov 2016)
Tax Bill	$2,268 (2024)
Deeds & Mortgages	Oct 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`39-1S-27-0000-02124-0000`

Property Details

APN / Parcel Number

Primary APN	`39-1S-27-0000-02124-0000`
Alternative APN	`S271390000021240000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,192 sqft Living Area
Gross Area	2,756 sqft
1st Floor Area	2,192 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	44,126 sqft (1.01 acres)
Lot Dimensions	368 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	64 sqft
Deck Area	Deck Area
Shed	1 Shed
Shed Area	2 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3585 GINGER LN
City	NAVARRE
State	FL
Zip	32566-9617
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	COM ON E SEC LN 198 FT N OF SE CORN OF NE4 THN W LFT 9015 59 WLY 388 FT TO W R/W OF GINGER LN THN RT 900717 NLY 988 FT TO POB & CONT 120 FT THN LFT 900717 WLY 368 FT THN LFT 895243 SLY 120 FT THN LFT 90*0717 ELY 368 FT TO POB AS DES IN OR 1380 PG
Legal Range	27W
Legal Township	1S
Legal Section	39
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1214
Census Tract	10802

Owner

Source: Santa Rosa County records, 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 Record
Mailing Address	3585 GINGER LN, NAVARRE, FL 32566-9617
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2016 · Amount on Record
Deed Sale	Nov 1, 2016 · Amount on Record
Deed Book / Page	3579 / 1191
Last Transfer Date	Nov 30, 2016
Transfer Doc	0035791191
Record Updated	Jun 8, 2026

October 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA ROSA FL
Property Address	3585 GINGER LN, NAVARRE, FL 32566-9617
Document Number	0036741925
Book / Page	003674 / 001925
Instrument Date	Oct 19, 2017
Transaction Type	Mortgage
Record Updated	Nov 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3585 GINGER LN NAVARRE FL 325669617, NAVARRE, FL 32566-9617

Mortgage

Document Number	0036741925
Date	Oct 31, 2017
Book Page	003674/001925
Instrument	45479

Lender

Name	PEN AIR FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%

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		$228,071 (+2.9%)	$331,984 (+5.95%) Land $58,300 Building $273,684
2024	$2,268.00 (+2.44%) Homeowner's exemption	$221,643 (+3%)	$313,352 (+4.71%) Land $46,640 Building $266,712
2023	$2,214.00 (+2.83%) Homeowner's exemption	$215,187 (+3%)	$299,262 (+2.38%) Land $34,980 Building $264,282
2022	$2,153.00 Homeowner's exemption	$208,919	$292,311 Land $32,648 Building $259,663

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	Moderate above 68% of the US · above 48% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct 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 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 Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20