Santa Rosa County property record for 3631 Bob Tolbert Rd, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,747 sqft · built 2020 |
| Lot Size | 0.251 acres (10,977 sqft) |
| Owner | Individual Name on File |
| Last Sale | $360,300 (Jul 2020) |
| Tax Bill | $247 (2024) |
| Deeds & Mortgages | Sep 2019 Mortgage Sep 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 39-1S-27-0000-04031-0000 |
| Primary APN | 39-1S-27-0000-04031-0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 2,747 sqft Heated Area |
| Gross Area | 3,771 sqft |
| 1st Floor Area | 3,427 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 10,977 sqft (0.251 acres) |
| Lot Dimensions | 1,550 ft deep x 710 ft wide |
| Garage Area | 680 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 344 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 391S270000040310000 |
|---|---|
| Street Address | 3631 BOB TOLBERT RD |
| City | NAVARRE |
| State | FL |
| Zip | 32566-9607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | TOLBERT ROAD PARCEL 9 DES AS: COM AT NORTHEAST CORNER OF OR 1464 PG 1631 BEING ON S R/W OF BOB TOLBERT RD THN S61*29'59E |
| 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 | 1265 |
| Census Tract | 10802 |
3631 Bob Tolbert Rd is owned and occupied by an individual who bought it in July 2020.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3631 BOB TOLBERT RD, NAVARRE, FL 32566-9607 |
| 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 24, 2019 | Deed of Trust, Mortgage · Commercial Mortgage FIRST FLORIDA BANK |
| Sep 8, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jul 31, 2020 | Warranty Deed, Subdivision Related Transfer · VA Mortgage BEACH COMMUNITY MORTGAGE SERVICES I |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 31, 2020 · Amount on File |
| Deed Sale | Jul 31, 2020 · Amount on File |
| Deed Document Number | 0039841028 |
| Deed Book / Page | 3984 / 1028 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3631 BOB TOLBERT RD, NAVARRE, FL 32566-9607 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0038730737 |
|---|---|
| Date | Sep 24, 2019 |
| Book Page | 3873/0737 |
| Instrument | 201942772 |
| Name | FIRST FLORIDA BANK |
|---|---|
| Type | Bank |
| Address | DESTIN, FL 32541 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3631 BOB TOLBERT RD, NAVARRE, FL 32566-9607 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3631 BOB TOLBERT RD, GULF BREEZE, FL 32566-9607 |
| Document Number | 0041740481 |
|---|---|
| Date | Sep 8, 2021 |
| Book Page | 4174/481 |
| Instrument | 202159704 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 348 Months |
| Due | Sep 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jul 31, 2020 |
| Property Address | 3631 BOB TOLBERT RD, NAVARRE, FL 32566-9607 |
| Document Number | 0039841028 |
| Book / Page | 3984 / 1028 |
| Instrument Date | Jul 31, 2020 |
| Instrument | 202038607 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | MEAD LAW & TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,522.10 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 105 AUBURN RD, 105, FORT WALTON BEACH, FL 32547-2247 |
| Name | Verified Name |
|---|---|
| Address | 3631 BOB TOLBERT RD, NAVARRE, FL 32566-9607 |
| Document Number | 0039841030 |
|---|---|
| Date | Jul 31, 2020 |
| Instrument | 3984/1030 |
| Name | BEACH COMMUNITY MORTGAGE SERVICES I |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
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 | $247.00 (+7.39%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $361,213 (+3%) | $411,825 (+3.48%) Land $40,000 Building $371,825 |
| 2023 | $230.00 (+6.48%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $350,692 (+3%) | $397,969 (+4.58%) Land $30,000 Building $367,969 |
| 2022 | $216.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $340,478 | $380,529 Land $28,000 Building $352,529 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3631 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 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 3631 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 Risk | Moderate above 65% of the US · above 41% 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 44 locations within half a mile, as of December 31, 2025
| Provider | Max 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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