3646 Ginger Ln, Navarre, FL 32566 Property Records

Santa Rosa County property record for 3646 Ginger Ln, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,326 sqft · built 2000
Lot Size	0.542 acres (23,610 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Aug 2016)
Tax Bill	$2,141 (2024)
Deeds & Mortgages	Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`39-1S-27-0000-02134-0000`

Property Details

APN / Parcel Number

Primary APN	`39-1S-27-0000-02134-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,326 sqft Heated Area
Gross Area	1,482 sqft
1st Floor Area	1,326 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Exterior Material	Brick
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	23,610 sqft (0.542 acres)
Lot Dimensions	1,790 ft deep x 1,320 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	56 sqft
Patio Area	100 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	391S270000021340000
Street Address	3646 GINGER LN
City	NAVARRE
State	FL
Zip	32566-9618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1M
Legal Description	DESCRIPT PER DEED 2016 COM AT NE SEC CORN THN N870'W ON N SEC LN 358 FT TO E R/W OF GINGER LN THN S30'W ON E R/W 662 FT
Legal Range	27W
Legal Township	01S
Legal Section	39
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1217
Census Tract	10802

Owner

Source: Santa Rosa County records · APN 39-1S-27-0000-02134-0000

Assessment roll updated July 1, 2024 · Last verified November 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 File
Co-owner	Verified Secondary Owner
Mailing Address	522 WOODFERN AVE, MARY ESTHER, FL 32569-2709
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 03, 2016 · Amount on Record
Deed Sale	Aug 03, 2016 · Amount on Record
Prior Sale	May 20, 2004 · Amount on Record
Deed Document Number	201630367
Deed Book / Page	3544 / 0400
Record Updated	Jun 08, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	3646 GINGER LN, NAVARRE, FL 32566-9618
Transaction Type	Mortgage
Record Updated	Jul 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3646 GINGER LN, NAVARRE, FL 32566-9618

Mortgage

Document Number	0041301557
Date	Jun 09, 2021
Book Page	4130/1557
Instrument	202138621

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jul 01, 2046

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated July 1, 2024 · Last verified November 2025

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$2,141.00 (+6.73%)	$183,519 (+6.81%) Land $40,000 Building $143,519	$183,519 (+6.81%) Land $40,000 Building $143,519
2023	$2,006.00 (+7.5%)	$171,816 (+7.52%) Land $30,000 Building $141,816	$171,816 (+7.52%) Land $30,000 Building $141,816
2022	$1,866.00	$159,799	$159,799 Land $28,000 Building $131,799

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 18, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	Hurricane Sally, Sep 2020 · 31 claims Hurricane Frances, Sep 2004 · 68 claims Hurricane Opal, Oct 1995 · 16 claims

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Mediacom Communications Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 22 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	HOLLEY-NAVARRE WATER SYSTEM public/private · serves 47,793 people
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	6 ppb (2023) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.