Santa Rosa County property record for 3634 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 | Individual Name on Record |
| Last Sale | $254,600 (Jun 2019) |
| Tax Bill | $2,398 (2024) |
| Deeds & Mortgages | Aug 2021 Mortgage Jun 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 39-1S-27-0000-02157-0000 |
| Primary APN | 39-1S-27-0000-02157-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,755 sqft Heated Area |
| Gross Area | 2,655 sqft |
| 1st Floor Area | 2,261 sqft |
| Flooring | Ceramic Tile |
| 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 | 322 sqft |
| Patio Area | 72 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 391S270000021570000 |
|---|---|
| Street Address | 3634 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 A* THE NORTH 88 FT OF FOLLOWING: COM AT NE CORNER OF SECTION 39 TOWNSHP 1 SOUTH |
| 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 |
Source: Santa Rosa County records, as of October 27, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3634 GINGER LN, NAVARRE, FL 32566-9618 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Jun 4, 2019 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 4, 2019 · Amount on Record |
| Deed Sale | Jun 4, 2019 · Amount on Record |
| Deed Document Number | 201923306 |
| Deed Book / Page | 3835 / 1939 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3634 GINGER LN, NAVARRE, FL 32566-9618 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3634 GINGER LN, NAVARRE, FL 32566-9618 |
| Document Number | 0041570758 |
|---|---|
| Date | Aug 2, 2021 |
| Book Page | 4157/758 |
| Instrument | 202151758 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jun 4, 2019 |
| Property Address | 3634 GINGER LN, NAVARRE, FL 32566-9618 |
| Document Number | 0038351939 |
| Book / Page | 3835 / 1939 |
| Instrument Date | May 28, 2019 |
| Instrument | 201923306 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | SURETY LAND TITLE OF FL LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,782.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3634 GINGER LN, NAVARRE, FL 32566-9618 |
| Document Number | 0038351942 |
|---|---|
| Date | Jun 4, 2019 |
| Instrument | 3835/1942 |
| Name | AMERICAN MORTGAGE SERVICE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 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 | $2,398.00 (+2.3%) Homeowner's exemption | $234,117 (+3%) | $294,615 (+4.48%) Land $40,000 Building $254,615 |
| 2023 | $2,344.00 (+2.81%) Homeowner's exemption | $227,298 (+3%) | $281,990 (+3.25%) Land $30,000 Building $251,990 |
| 2022 | $2,280.00 Homeowner's exemption | $220,678 | $273,114 Land $28,000 Building $245,114 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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