Santa Rosa County property record for 9038 Timber Ln, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,098 sqft · built 2019 |
| Lot Size | 0.565 acres (24,611 sqft) |
| Owner | Individual Name on File |
| Last Sale | $392,000 (Sep 2021) |
| Tax Bill | $3,316 (2024) |
| Deeds & Mortgages | Apr 2019 Construction Loan Sep 2021 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-2S-26-0000-18800-0000 |
| Primary APN | 15-2S-26-0000-18800-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,098 sqft Living Area |
| Gross Area | 3,010 sqft |
| 1st Floor Area | 2,098 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 24,611 sqft (0.565 acres) |
| Lot Dimensions | 297 ft deep x 83 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 428 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 9038 TIMBER LN |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-1170 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1M |
| Legal Description | *DESCRIPTION UPDATED FOR 2021* THE WEST 1/2 OF THE EAST 1/2 OF THE SOUTHEAST 1/4 OF THE NORTHWEST 1/4 OF THE SOUTHEAST 1/4 OF THE SOUTHWEST 1/4 LESS SOUTH 33 FT FOR RD SECTION 15 TOWNSHIP 2 SOUTH RANGE 26 WEST AS DES IN OR 4182 PG 1787 (PREVIOUSLY SE |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 15 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 10827 |
9038 Timber Ln is owned and occupied by an individual who bought it in September 2021.
Source: Santa Rosa County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 9038 TIMBER LN, NAVARRE, FL 32566-1170 |
| 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 1, 2019 | Deed of Trust, Mortgage · Construction Mortgage BEACH COMMUNITY BANK |
| Sep 24, 2021 | Warranty Deed, Transfer NAUTILUS TITLE AND ESCROW, NAUTILUS TITLE & ESCROW |
| Sep 24, 2021 | Correction Deed NAUTILUS TITLE AND ESCROW, NAUTILUS TITLE & ESCROW |
| Jul 17, 2019 | Warranty Deed, Transfer · VA Mortgage UNIVERSITY LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 24, 2021 · Amount on File |
| Deed Sale | Sep 24, 2021 · Amount on File |
| Prior Sale | Jul 17, 2019 · Amount on File |
| Deed Document Number | 202163923 |
| Deed Book / Page | 4182 / 1787 |
| Prior Transfer Date | Sep 14, 2021 |
| Prior Transfer Doc | 0041821785 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 9038 TIMBER LN, NAVARRE, FL 32566-1170 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0038150824 |
|---|---|
| Date | Apr 1, 2019 |
| Book Page | 3815/0824 |
| Instrument | 201912410 |
| Name | BEACH COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | FORT WALTON BEACH, FL 32548 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Mar 27, 2039 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Sep 24, 2021 |
| Property Address | 9038 TIMBER LN, NAVARRE, FL 32566-1170 |
| Document Number | 0041821787 |
| Book / Page | 4182 / 1787 |
| Instrument Date | Sep 24, 2021 |
| Instrument | 202163923 |
| Transaction Type | Transfer |
| Record Updated | Oct 15, 2021 |
| Title Company | NAUTILUS TITLE AND ESCROW, NAUTILUS TITLE & ESCROW |
| Amount | Amount on Record |
|---|---|
| Tax | $2,744.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9038 TIMBER LN, 9038, NAVARRE, FL 32566-1170 |
| Name | Verified Name |
|---|---|
| Address | 6344 TRALEE AVENUE, PORT RICHEY, FL 34643 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Sep 24, 2021 |
| Property Address | 9038 TIMBER LN, NAVARRE, FL 32566-1170 |
| Document Number | 0041821785 |
| Book / Page | 4182 / 1785 |
| Instrument Date | Sep 14, 2021 |
| Instrument | 202163922 |
| Record Updated | Oct 15, 2021 |
| Title Company | NAUTILUS TITLE AND ESCROW, NAUTILUS TITLE & ESCROW |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | PO BOX 5489, NAVARRE, FL 32566-0489 |
| Name | Verified Name |
|---|---|
| Address | 9038 TIMBER LN, NAVARRE, FL 32566-1170 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jul 17, 2019 |
| Property Address | 9038 TIMBER LN, NAVARRE, FL 32566-1170 |
| Document Number | 0038501422 |
| Book / Page | 003850 / 001422 |
| Instrument Date | Jul 12, 2019 |
| Instrument | 30773 |
| Transaction Type | Transfer |
| Record Updated | Sep 3, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,982.40 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 9038 TIMBER LN NAVARRE FL 325661170, NAVARRE, FL 32566-1170 |
| Document Number | 38501424 |
|---|---|
| Date | Jul 17, 2019 |
| Book Page | 003850/001424 |
| Instrument | 30774 |
| Name | UNIVERSITY LNDG |
|---|---|
| Address | SOUTHFIELD, MI 48034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 16, 2049 |
Source: Santa Rosa County assessment roll, as of December 8, 2025
| 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 |
|---|---|---|---|
| 2025 | $326,510 (+2.9%) | $333,566 (+5.12%) Land $52,470 Building $281,096 | |
| 2024 | $3,316.00 (+1.41%) Homeowner's exemption Widower's exemption | $317,308 (+2.32%) Land $43,725 Building $273,583 | $317,308 (+2.32%) Land $43,725 Building $273,583 |
| 2023 | $3,270.00 (-10.7%) | $310,116 (+3.8%) Land $39,352 Building $270,764 | $310,116 (+3.8%) Land $39,352 Building $270,764 |
| 2022 | $3,662.00 | $298,759 | $298,759 Land $32,793 Building $265,966 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9038 Timber Ln in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2014.
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 117 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 117 in force |
| Nearby Flood Claims | 7 (2014–2025) |
| Claims Outside the SFHA | 7 of 7 |
| Most Recent Claim | May 2025 · 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 9038 Timber Ln is moderate, ranking above 46% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 83% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% 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 224 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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