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3609 Ginger Ln, Navarre, FL 32566 Property Records

Santa Rosa County property record for 3609 Ginger Ln, Navarre, FL 32566

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,342 sqft · built 2020
Lot Size0.282 acres (12,284 sqft)
Owner2 Individual Names on Record
Last Sale$510,000 (Jul 2024)
Tax Bill$4,099 (2025)
Deeds & MortgagesJun 2021 Mortgage
Mar 2020 Transfer
+ 3 more
Flood ZoneZone X (minimal risk)
APN39-1S-27-0000-02155-0000

Property Details

APN / Parcel Number

Primary APN39-1S-27-0000-02155-0000
Alternative APN
  • S271390000021550000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,342 sqft Living Area
Gross Area3,498 sqft
1st Floor Area2,342 sqft
Upper Floors Area312 sqft
FlooringWood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialBrick
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialWood Shingle
Lot Area12,284 sqft (0.282 acres)
Lot Dimensions164 ft deep x 75 ft wide
Garage TypeAttached
Garage Area600 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area192 sqft
Patio Area380 sqft
Shed1 Shed
Shed Area1 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address3609 GINGER LN
CityNAVARRE
StateFL
Zip32566-9619
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1M
Legal Description*DESCRIPTION UPDATE FOR 2024* COM AT NE CORNER OF SECTION 39 TOWNSHP 1 SOUTH RANGE 27 WEST THN N87*060W ALONG N SECTION LN 388 FT TO W R/W OF GINGER LN THN S3*00W ALONG R/W 1180 FT TO POB THN CONT S03*0000W 75 FT THN N87*0600W 163.70 FT THN N03*0000E
Legal Range27W
Legal Township1S
Legal Section39
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group1
Census Block1214
Census Tract10802

Owner

Source: Santa Rosa County records, as of April 28, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address5224 ZION PT, VALDOSTA, GA 31605-6567
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jun 4, 2021Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
QUICKEN LOANS LLC
Mar 19, 2020Correction Deed, Transfer
FIRST AMERICAN TITLE
Mar 19, 2020Deed of Trust, Construction Loan · Line of Credit
MORTGAGE ONE/SOUTH
Aug 24, 2018Quit Claim Deed, Transfer
Quitclaim
Jun 1, 2018Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 3, 2024 · Amount on Record
Deed SaleJul 3, 2024 · Amount on Record
Deed Document Number202429813
Deed Book / Page4518 / 1239
Prior Transfer DateMar 10, 2020
Prior Transfer Doc0039301408
Record UpdatedJun 8, 2026

June 2021: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateJun 4, 2021
Property Address3609 GINGER LN, NAVARRE, FL 32566-9619
Document Number0041280596
Book / Page4128 / 596
Instrument DateMay 17, 2021
Instrument202137412
Transaction TypeSubdivision Related Transfer
Record UpdatedMay 19, 2022
Title CompanySETCO SERVICES LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressGINGER LANE, NAVARRE, FL 32566

Transferred To (Grantee/Buyer)

NameVerified Name
AddressORION LAKE DR, NAVARRE, FL 32566

Mortgage

Document Number0004128598
DateJun 4, 2021
Instrument4128/598
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 1, 2051

March 2020: Correction Deed, Transfer

Document TypeCorrection Deed
JurisdictionSANTA ROSA FL
Recording DateMar 19, 2020
Property Address3609 GINGER LN, NAVARRE, FL 32566-9619
Document Number0039301408
Book / Page003930 / 001408
Instrument DateMar 10, 2020
Instrument13502
Transaction TypeTransfer
Record UpdatedJun 1, 2020
Title CompanyFIRST AMERICAN TITLE

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3675 GINGER LN NAVARRE FL 325669619, NAVARRE, FL 32566-9619

March 2020: Deed of Trust, Construction Loan

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Recording DateMar 19, 2020
Property Address3609 GINGER LN, NAVARRE, FL 32566-9619
Document Number0039301410
Book / Page003930 / 001410
Instrument DateMar 10, 2020
Instrument13503
Transaction TypeConstruction Loan
Record UpdatedJun 2, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3675 GINGER LN NAVARRE FL 325669619, NAVARRE, FL 32566-9619

Mortgage

Document Number39301410
DateMar 19, 2020
Book Page003930/001410
Instrument13503
Lender
NameMORTGAGE ONE/SOUTH
TypeMortgage Company
AddressFORT WALTON BEACH, FL 32548
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

August 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA ROSA FL
Recording DateAug 24, 2018
Property Address3609 GINGER LN, NAVARRE, FL 32566-9619
Document Number0037600183
Book / Page003760 / 000183
Instrument DateJul 14, 2018
Instrument36484
Transaction TypeTransfer
Record UpdatedOct 10, 2018

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3675 GINGER LN NAVARRE FL 325669619, NAVARRE, FL 32566-9619

June 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA ROSA FL
Recording DateJun 1, 2018
Property Address3609 GINGER LN, NAVARRE, FL 32566-9619
Document Number0037331822
Book / Page003733 / 001822
Instrument DateMay 21, 2018
Instrument22629
Transaction TypeTransfer
Record UpdatedAug 3, 2018

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3675 GINGER LN NAVARRE FL 325669619, NAVARRE, FL 32566-9619

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,099.00 (-4.79%)$379,141 (+5.16%) Land $47,500 Building $331,641$379,141 (+5.16%) Land $47,500 Building $331,641
2024$4,305.00 (+2.31%)$360,546 (+3.76%) Land $38,000 Building $322,546$360,546 (+3.76%) Land $38,000 Building $322,546
2023$4,208.00 (+1.37%)$347,473 (+2.18%) Land $28,500 Building $318,973$347,473 (+2.18%) Land $28,500 Building $318,973
2022$4,151.00$340,071$340,071 Land $26,600 Building $313,471

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 198 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies198 in force
Nearby Flood Claims133 (1995–2024)
Claims Outside the SFHA28 of 133
Most Recent ClaimJun 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 RiskModerate
above 69% of the US · above 49% of Florida
Wildfire Likelihood0.3% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemHOLLEY-NAVARRE WATER SYSTEM
public/private · serves 47,793 people · EPA ID FL1570349
Water SourceGroundwater
Last State InspectionOct 2025
Lead6 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 22 locations within half a mile, as of December 31, 2025

ProviderMax 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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