Santa Rosa County property record for 3607 Topaz Cir, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,686 sqft · built 2009 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $100 (Sep 2022) |
| Tax Bill | $3,823 (2024) |
| Deeds & Mortgages | Sep 2022 Mortgage May 2020 Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 38-1S-27-5465-00B00-0080 |
| Primary APN | 38-1S-27-5465-00B00-0080 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,686 sqft Living Area |
| Gross Area | 3,682 sqft |
| 1st Floor Area | 2,686 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 15,246 sqft (0.35 acres) |
| Lot Dimensions | 69 ft deep x 219 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 140 sqft |
| Patio Area | 372 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3607 TOPAZ CIR |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-4712 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | TREASURE ISLE ESTATES LOT 8 BLK B AS DES IN OR 3257 PG 771 & IN OR 3856 PG 1874 & AS DES IN OR 4331 PG 1017 |
| Legal Range | 27W |
| Legal Township | 1S |
| Legal Section | 38 |
| Legal Subdivision | TREASURE ISLE ESTS |
| Legal Block | B |
| Legal Lot Number | 8 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1233 |
| Census Tract | 10802 |
3607 Topaz Cir is owned and occupied by two individuals who bought it in September 2022.
Source: Santa Rosa County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3607 TOPAZ CIR, NAVARRE, FL 32566-4712 |
| 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 |
|---|---|
| Sep 30, 2022 | Intrafamily Transfer, Transfer · VA Mortgage SUN WEST MORTGAGE COMPANY INC |
| May 21, 2020 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Feb 9, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Nov 12, 2021 | Deed of Trust, Mortgage · VA Mortgage SUN WEST MORTGAGE COMPANY INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2022 · Amount on File |
| Deed Sale | Sep 30, 2022 · Amount on File |
| Prior Sale | Aug 5, 2019 · Amount on File |
| Deed Document Number | 202256256 |
| Deed Book / Page | 4331 / 1017 |
| Prior Transfer Date | Sep 20, 2022 |
| Prior Transfer Doc | 0043311017 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Sep 30, 2022 |
| Property Address | 3607 TOPAZ CIR, NAVARRE, FL 32566-4712 |
| Document Number | 0043311017 |
| Book / Page | 4331 / 1017 |
| Map Reference | MB 10 PG 21-28 |
| Instrument Date | Sep 20, 2022 |
| Instrument | 202256256 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2022 |
| Title Company | REAL ESTATE TITLE AND ESCROW, REAL ESTATE STLMTS & ESCROW |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3607 TOPAZ CIR, 3607, NAVARRE, FL 32566-4712 |
| Name | Verified Name |
|---|---|
| Address | 3607 TOPAZ CIR, NAVARRE, FL 32566-4712 |
| Document Number | 0043311020 |
|---|---|
| Date | Sep 30, 2022 |
| Instrument | 4331/1020 |
| Name | SUN WEST MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3607 TOPAZ CIR, NAVARRE, FL 32566-4712 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0039530973 |
|---|---|
| Date | May 21, 2020 |
| Book Page | 3953/973 |
| Instrument | 202024217 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3607 TOPAZ CIR, NAVARRE, FL 32566-4712 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3607 TOPAZ CIR, NAVARRE, FL 32566-4712 |
| Document Number | 0040681769 |
|---|---|
| Date | Feb 9, 2021 |
| Book Page | 4068/1769 |
| Instrument | 202108355 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 353 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3607 TOPAZ CIR, NAVARRE, FL 32566-4712 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3607 TOPAZ CIR, NAVARRE, FL 32566-4712 |
| Document Number | 0042061736 |
|---|---|
| Date | Nov 12, 2021 |
| Book Page | 4206/1736 |
| Instrument | 202175746 |
| Name | SUN WEST MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | BUENA PARK, CA 90620 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
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 | $363,813 (+2.9%) | $367,565 (+3.96%) Land $56,000 Building $311,565 | |
| 2024 | $3,823.00 (-0.05%) Homeowner's exemption Disabled Person's exemption | $353,560 (+1%) Land $50,000 Building $303,560 | $353,560 (-0.49%) Land $50,000 Building $303,560 |
| 2023 | $3,825.00 (+2.52%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $350,056 (+3%) | $355,314 (+4.55%) Land $40,000 Building $315,314 |
| 2022 | $3,731.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $339,860 | $339,860 Land $35,000 Building $304,860 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3607 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 3607 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 |
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