Santa Rosa County property record for 3628 Ginger Ln, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,755 sqft · built 2019 |
| Lot Size | 0.36 acres (15,725 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $255,000 (Jun 2019) |
| Tax Bill | $2,434 (2024) |
| Deeds & Mortgages | Apr 2021 Mortgage Jun 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 39-1S-27-0000-02158-0000 |
| Primary APN | 39-1S-27-0000-02158-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,755 sqft Heated Area |
| Gross Area | 2,592 sqft |
| 1st Floor Area | 2,261 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 15,725 sqft (0.36 acres) |
| Lot Dimensions | 1,790 ft deep x 880 ft wide |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 331 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 391S270000021580000 |
|---|---|
| Street Address | 3628 GINGER LN |
| City | NAVARRE |
| State | FL |
| Zip | 32566-9618 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1M |
| Legal Description | *NEW PARCEL FOR 2019* *BEING SURVEY PARCEL B* THE SOUTH 88 FT OF NORTH 176 FT OF THE FOLLOWING PARCEL: COM AT NE CORNER OF |
| Legal Range | 27W |
| Legal Township | 01S |
| Legal Section | 39 |
| Legal Subdivision | WEST |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1217 |
| Census Tract | 10802 |
3628 Ginger Ln is owned and occupied by two individuals who bought it in June 2019.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3628 GINGER LN, NAVARRE, FL 32566-9618 |
| 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 |
|---|---|
| Apr 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TRIDENT HOME LOANS LLC |
| Jun 4, 2019 | Warranty Deed, Transfer · Conventional with PMI TRIDENT HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 4, 2019 · Amount on File |
| Deed Sale | Jun 4, 2019 · Amount on File |
| Deed Document Number | 201923312 |
| Deed Book / Page | 3835 / 1966 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3628 GINGER LN, NAVARRE, FL 32566-9618 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3628 GINGER LN, NAVARRE, FL 32566-9618 |
| Document Number | 0041041421 |
|---|---|
| Date | Apr 16, 2021 |
| Book Page | 4104/1421 |
| Instrument | 202125233 |
| Name | TRIDENT HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | PENSACOLA, FL 32501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jun 4, 2019 |
| Property Address | 3628 GINGER LN, NAVARRE, FL 32566-9618 |
| Document Number | 0038351966 |
| Book / Page | 003835 / 001966 |
| Instrument Date | May 24, 2019 |
| Instrument | 23312 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2019 |
| Title Company | SECURITY LAND TITLE INC, SURETY LAND TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,785.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3628 GINGER LN NAVARRE FL 325669618, NAVARRE, FL 32566-9618 |
| Document Number | 38351969 |
|---|---|
| Date | Jun 4, 2019 |
| Book Page | 003835/001969 |
| Instrument | 23313 |
| Name | TRIDENT HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | GULF BREEZE, FL 32561 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 3, 2049 |
Source: Santa Rosa County assessment roll, as of July 1, 2024
| 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 |
|---|---|---|---|
| 2024 | $2,434.00 (+2.31%) Homeowner's exemption | $237,246 (+3%) | $298,105 (+4.43%) Land $40,000 Building $258,105 |
| 2023 | $2,379.00 (+2.76%) Homeowner's exemption | $230,336 (+3%) | $285,450 (+3.24%) Land $30,000 Building $255,450 |
| 2022 | $2,315.00 Homeowner's exemption | $223,627 | $276,493 Land $28,000 Building $248,493 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3628 Ginger Ln 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 Zone | Zone X minimal risk |
|---|---|
| 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 3628 Ginger Ln is moderate, ranking above 69% of the US, with a 0.3% 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 | 0.3% 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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