Santa Rosa County property record for 3619 Ginger Ln, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,351 sqft · built 2022 |
| Lot Size | 0.282 acres (12,284 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $515,000 (Jul 2023) |
| Tax Bill | $4,472 (2024) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Aug 2021 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 39-1S-27-0000-02153-0000 |
| Primary APN | 39-1S-27-0000-02153-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,351 sqft Living Area |
| Gross Area | 3,523 sqft |
| 1st Floor Area | 2,351 sqft |
| Upper Floors Area | 276 sqft |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Material | Wood Shingle |
| Lot Area | 12,284 sqft (0.282 acres) |
| Lot Dimensions | 164 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Patio Area | 380 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3619 GINGER LN |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-9619 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1M |
| Legal Description | *DESCRIPTION UPDATE FOR 2021* COM AT NE CORNER OF SECTION 39 TOWNSHP 1 SOUTH RANGE 27 WEST THN N87*06'00W ALONG N SECTION LN 388 FT TO W R/W OF GINGER LN THN S03*00'00W ALONG R/W 1030 FT TO POB THN CONT S03*00'00 75 FT THN N87*06'00W 163.70 FT THN N0 |
| 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 |
Source: Santa Rosa County records, as of May 21, 2026
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 | 5804 HUMMINGBIRD LN, JACKSONVILLE, AR 72076-4979 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 14, 2023 | Warranty Deed, Subdivision Related Transfer · VA Mortgage CENTENNIAL BANK |
| Aug 11, 2021 | Warranty Deed, Transfer · Construction Mortgage MORTGAGE ONE OF THE SOUTH INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 14, 2023 · Amount on Record |
| Deed Sale | Jul 14, 2023 · Amount on Record |
| Deed Document Number | 202331632 |
| Deed Book / Page | 4415 / 359 |
| Prior Transfer Date | Aug 10, 2021 |
| Prior Transfer Doc | 0041611422 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jul 14, 2023 |
| Property Address | 3619 GINGER LN, NAVARRE, FL 32566-9619 |
| Document Number | 0044150359 |
| Book / Page | 4415 / 359 |
| Instrument Date | Jul 14, 2023 |
| Instrument | 202331632 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 24, 2023 |
| Title Company | EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,605.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3675 GINGER LN, NAVARRE, FL 32566-9619 |
| Name | Verified Name |
|---|---|
| Address | 5804 HUMMINGBIRD LN, JACKSONVILLE, AR 72076-4979 |
| Document Number | 0004415362 |
|---|---|
| Date | Jul 14, 2023 |
| Instrument | 4415/362 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Aug 11, 2021 |
| Property Address | 3619 GINGER LN, NAVARRE, FL 32566-9619 |
| Document Number | 0041611422 |
| Book / Page | 4161 / 1422 |
| Instrument Date | Aug 10, 2021 |
| Instrument | 202153845 |
| Transaction Type | Transfer |
| Record Updated | Mar 14, 2023 |
| Title Company | MEAD LAW & TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3675 GINGER LN, NAVARRE, FL 32566-9619 |
| Name | Verified Name |
|---|---|
| Address | 3675 GINGER LN, NAVARRE, FL 32566-9619 |
| Document Number | 0041611424 |
|---|---|
| Date | Aug 11, 2021 |
| Book Page | 4161/1424 |
| Instrument | 202153846 |
| Name | MORTGAGE ONE OF THE SOUTH INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WALTON BEACH, FL 32548 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $400,441 (+6.76%) Land $47,500 Building $352,941 | $400,441 (+6.76%) Land $47,500 Building $352,941 | |
| 2024 | $4,472.00 (+6.91%) | $375,074 (+8.66%) Land $38,000 Building $337,074 | $375,074 (+8.66%) Land $38,000 Building $337,074 |
| 2023 | $4,183.00 (+753.67%) | $345,176 (+1,197.65%) Land $28,500 Building $316,676 | $345,176 (+1,197.65%) Land $28,500 Building $316,676 |
| 2022 | $490.00 | $26,600 | $26,600 Land $26,600 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|
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.
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 | 0.3% 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.
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 22 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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