3585 Moonstone Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 3585 Moonstone Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,353 sqft · built 2018
Lot Size	0.828 acres (36,068 sqft)
Owner	Individual Name on Record
Last Sale	$291,382 (Jan 2019)
Tax Bill	$2,976 (2024)
Deeds & Mortgages	Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38-1S-27-5465-00E00-0010`

Property Details

APN / Parcel Number

Primary APN	`38-1S-27-5465-00E00-0010`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,353 sqft Heated Area
Gross Area	3,070 sqft
1st Floor Area	2,773 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	36,068 sqft (0.828 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	297 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	381S27546500E000010
Street Address	3585 MOONSTONE DR
City	NAVARRE
State	FL
Zip	32566-9823
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TREASURE ISLE ESTATES 1ST ADD LOT 1 BLK E AS DES IN OR 3794 PG 1411
Legal Range	27W
Legal Township	01S
Legal Section	38
Legal Subdivision	TREASURE ISLE ESTATES
Legal Block	E
Legal Lot Number	1
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1229
Census Tract	10802

Owner

Source: Santa Rosa County records, as of October 27, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3585 MOONSTONE DR, NAVARRE, FL 32566-9823
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2019 · Amount on Record
Deed Sale	Jan 2, 2019 · Amount on Record
Deed Document Number	201900177
Deed Book / Page	3794 / 1411
Record Updated	Jun 8, 2026

January 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jan 2, 2019
Property Address	3585 MOONSTONE DR, NAVARRE, FL 32566-9823
Document Number	0037941411
Book / Page	3794 / 1411
Map Reference	MB 12 PG 60-64
Instrument Date	Dec 28, 2018
Instrument	201900177
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 14, 2021
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,039.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25366 PROFIT DR, 25366, DAPHNE, AL 36526-5126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3585 MOONSTONE DR, NAVARRE, FL 32566-9823

Mortgage

Document Number	0201900178
Date	Jan 2, 2019
Instrument	201900178

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

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
2024	$2,976.00 (+2.2%) Homeowner's exemption	$282,123 (+3%)	$386,688 (-0.5%) Land $50,000 Building $336,688
2023	$2,912.00 (+2.64%) Homeowner's exemption	$273,906 (+3%)	$388,628 (+4.44%) Land $40,000 Building $348,628
2022	$2,837.00 Homeowner's exemption	$265,928	$372,094 Land $35,000 Building $337,094

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
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	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 66% of the US · above 43% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 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