9108 Timber Ln, Navarre, FL 32566 Property Records

Santa Rosa County property record for 9108 Timber Ln, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,784 sqft · built 2015
Lot Size	0.56 acres (24,394 sqft)
Owner	2 Individual Names on File
Last Sale	$192,000 (Jul 2015)
Tax Bill	$1,702 (2024)
Deeds & Mortgages	Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-2S-26-0000-11201-0000`

Property Details

APN / Parcel Number

Primary APN	`15-2S-26-0000-11201-0000`
Alternative APN	`S262150000112010000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,784 sqft Living Area
Gross Area	2,341 sqft
1st Floor Area	1,784 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	24,394 sqft (0.56 acres)
Lot Dimensions	298 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	157 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9108 TIMBER LN
City	NAVARRE
State	FL
Zip	32566-1107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1M
Legal Description	DESCRPT PER DEED FOR 2015 W2 OF W2 OF SW4 OF NW4 OF SW4 OF SE4 AS DES IN OR 3442 PG 285 LESS S 33 FT FOR RD LESS ALL MINERAL RIGHTS (OUT OF #112 FOR 2014)
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

Owner

9108 Timber Ln is owned and occupied by two individuals who bought it in July 2015.

Source: Santa Rosa County records, as of May 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3213 ROSEWELL PL, SCHERTZ, TX 78154-3903
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2015 · Amount on File
Deed Sale	Jul 2, 2015 · Amount on File
Deed Document Number	201524241
Deed Book / Page	3442 / 285
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	9108 TIMBER LN, NAVARRE, FL 32566-1107
Transaction Type	Mortgage
Record Updated	Aug 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3213 ROSEWELL PL, SCHERTZ, TX 78154-3903

Mortgage

Document Number	0042231120
Date	Dec 21, 2021
Book Page	4223/1120
Instrument	202184156

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$179,369 (+2.9%)	$270,219 (+5.22%) Land $52,875 Building $217,344
2024	$1,702.00 (+2.72%) Homeowner's exemption	$174,314 (+3%)	$256,819 (+2.17%) Land $44,062 Building $212,757
2023	$1,657.00 (+3.05%) Homeowner's exemption	$169,237 (+3%)	$251,369 (+4.93%) Land $39,656 Building $211,713
2022	$1,608.00 Homeowner's exemption	$164,308	$239,569 Land $33,046 Building $206,523

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

Flood

FEMA maps place 9108 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	Hurricane Sally, Sep 2020 · 4 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 2 claims

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

Wildfire risk around 9108 Timber Ln is moderate, ranking above 46% of the US, with a 0.08% 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 82% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 188 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	1,000 / 50
Verizon Fixed Wireless	300 / 20