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3620 Bob Tolbert Rd, Navarre, FL 32566 Property Records

Santa Rosa County property record for 3620 Bob Tolbert Rd, Navarre, FL 32566

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,574 sqft · built 2024
Lot Size0.257 acres (11,195 sqft)
Owner2 Individual Names on File
Last Sale$539,000 (May 2024)
Tax Bill$4,918 (2025)
Deeds & MortgagesJun 2026 Mortgage
Sep 2023 Transfer
Flood ZoneZone X (minimal risk)
APN39-1S-27-0000-04052-0000

Property Details

APN / Parcel Number

Primary APN39-1S-27-0000-04052-0000
Alternative APN
  • S271390000040520000

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,574 sqft Living Area
Gross Area3,319 sqft
1st Floor Area2,574 sqft
FlooringWood

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Exterior MaterialBrick
Construction TypeWood
Roof MaterialWood Shingle
Lot Area11,195 sqft (0.257 acres)
Garage TypeAttached
Garage Area492 sqft
PorchFinished/Open Porch
Porch Area253 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address3620 BOB TOLBERT RD
CityNAVARRE
StateFL
Zip32566-9606
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal Description**DESCRIPTION UPDATE FOR 2024* PRCL 189 AKA LOT 4 COM AT NE C OR OF SW4 OF NE4 OF 39-1S-27W. SAID PT ALSO BEING NW COR OF T HAT PRCL DES IN QUITCLAIM DEED REC IN OR 3671 PG 1610 (#21.18 IN 2023); THN GO S03*03'08W ALONG W LINE OF SAID PRCL FOR 1311.0
Legal Lot Number4
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group1
Census Block1214
Census Tract10802

Owner

3620 Bob Tolbert Rd is owned and occupied by two individuals who bought it in May 2024.

Source: Santa Rosa County records, as of July 15, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address3620 BOB TOLBERT RD, NAVARRE, FL 32566-9606
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 1, 2026Deed of Trust, Mortgage · VA Mortgage
NONE LISTED ON DOCUMENT
Sep 28, 2023Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 21, 2024 · Amount on File
Deed SaleMay 21, 2024 · Amount on File
Deed Document Number202422298
Deed Book / Page4504 / 14
Record UpdatedSep 20, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Recording DateJun 1, 2026
Property Address3620 BOB TOLBERT RD, NAVARRE, FL 32566-9606
Document Number0000027223
Book / Page4749 / 1911
Instrument DateMay 18, 2026
Instrument202627223
Transaction TypeMortgage
Record UpdatedJul 15, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address3620 BOB TOLBERT RD, NAVARRE, FL 32566-9606

Mortgage

Document Number0000027223,
DateJun 1, 2026
Book Page4749/1911
Instrument202627223
Lender
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueJun 1, 2056
Interest
Rate TypeAdjustable Rate
Rate6.3%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

September 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA ROSA FL
Recording DateSep 28, 2023
Property Address3620 BOB TOLBERT RD, NAVARRE, FL 32566-9606
Document Number0044381409
Book / Page4438 / 1409
Instrument DateSep 28, 2023
Instrument202344384
Transaction TypeTransfer
Record UpdatedApr 19, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address1903 ANDORRA ST, NAVARRE, FL 32566-9111

Transferred To (Grantee/Buyer)

NameVerified Name
Address1903 ANDORRA ST # ST1, ST1, NAVARRE, FL 32566-9111

Tax Assessment & Valuation

The 2025 property tax bill for 3620 Bob Tolbert Rd was $4,918, up 631.8% from the year before.

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$4,918.00 (+631.85%)$411,296 (+928.24%) Land $50,000 Building $361,296$411,296 (+928.24%) Land $50,000 Building $361,296
2024$672.00$40,000 Land $40,000$40,000 Land $40,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3620 Bob Tolbert Rd in Zone X, an area of minimal flood risk, though there have been 133 flood claims nearby since 1995.

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 File
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

Wildfire risk around 3620 Bob Tolbert Rd is moderate, ranking above 65% 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 RiskModerate
above 65% of the US · above 41% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 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 44 locations within half a mile, as of December 31, 2025

ProviderMax 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

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