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9109 Ridge Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 9109 Ridge Dr, Navarre, FL 32566

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,055 sqft · built 2018
Lot Size0.565 acres (24,651 sqft)
OwnerIndividual Name on File
Last Sale$275,600 (Jun 2018)
Tax Bill$2,367 (2024)
Deeds & MortgagesJun 2020 Mortgage
Jun 2018 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN15-2S-26-0000-00193-0000

Property Details

APN / Parcel Number

Primary APN15-2S-26-0000-00193-0000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,055 sqft Heated Area
Gross Area2,951 sqft
1st Floor Area2,517 sqft
FlooringLaminate Plank
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2018
Exterior MaterialFiber Cement Siding
Construction TypeWood
Foundation TypeSlab (Mat/Raft)
Roof MaterialShingle
Lot Area24,651 sqft (0.565 acres)
Lot Dimensions2,970 ft deep x 830 ft wide
Garage Area462 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area434 sqft
Stable1 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number152S260000001930000
Street Address9109 RIDGE DR
CityNAVARRE
StateFL
Zip32566-1187
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1M
Legal Description*NEW DESCRIPTION FOR 2018* WEST 1/2 OF THE FOLLOWING: E2 OF NW4 OF SW4 OF NW4 OF SE4 LESS N 33 FT FOR RD AS DES IN OR 3738 PG
Legal Range26W
Legal Township02S
Legal Section15
Legal SubdivisionWEST
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group2
Census Block2012
Census Tract10827

Owner

9109 Ridge Dr is owned and occupied by an individual who bought it in June 2018.

Source: Santa Rosa County records, as of October 27, 2025

Owner of RecordIndividual Name on File
Mailing Address9109 RIDGE DR, NAVARRE, FL 32566-1187
OccupancyOwner Occupied
Owner TypeIndividual

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

Deeds, Mortgages & Sale History

DateDocument
Jun 5, 2020Deed of Trust, Mortgage · Conventional Mortgage
UNIVERSITY LNDG
Jun 19, 2018Warranty Deed, Transfer · VA Mortgage
UNIVERSITY LNDG
Oct 24, 2017Warranty Deed, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 19, 2018 · Amount on File
Deed SaleJun 19, 2018 · Amount on File
Prior SaleJun 5, 2000 · Amount on File
Deed Document Number201825447
Deed Book / Page3738 / 2017
Record UpdatedJun 8, 2026

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address9109 RIDGE DR, NAVARRE, FL 32566-1187
Document Number0039610471
Instrument DateJun 5, 2020
Transaction TypeMortgage
Record UpdatedAug 6, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address9109 RIDGE DR NAVARRE FL 325661187, NAVARRE, FL 32566-1187

Mortgage

Document Number0039610471
DateJun 10, 2020
Book Page003961/000471
Instrument27760
Lender
NameUNIVERSITY LNDG
AddressSOUTHFIELD, MI 48034
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term180 Months
DueJun 9, 2035

June 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateJun 19, 2018
Property Address9109 RIDGE DR, NAVARRE, FL 32566-1187
Document Number0037382017
Book / Page003738 / 002017
Instrument DateJun 9, 2018
Instrument25447
Transaction TypeTransfer
Record UpdatedSep 11, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,929.20
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address9109 RIDGE DR NAVARRE FL 325661187, NAVARRE, FL 32566-1187

Mortgage

Document Number37382019
DateJun 19, 2018
Book Page003738/002019
Instrument25448
Lender
NameUNIVERSITY LNDG
AddressSOUTHFIELD, MI 48034
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueJun 18, 2048

October 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateOct 24, 2017
Property Address9109 RIDGE DR, NAVARRE, FL 32566-1187
Document Number0036722062
Book / Page003672 / 002062
Instrument DateOct 19, 2017
Instrument44432
Transaction TypeTransfer
Record UpdatedNov 3, 2017

Transaction

AmountAmount on Record
Tax$805.00
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address9933 NAVARRE PKWY NAVARRE FL 325663039, NAVARRE, FL 32566-3039
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2024$2,367.00 (+2.47%) Homeowner's exemption Disabled Person's exemption$234,230 (+3%)$308,220 (+2.37%) Land $43,725 Building $264,495
2023$2,310.00 (+2.94%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$227,408 (+3%)$301,071 (+4.1%) Land $39,352 Building $261,719
2022$2,244.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$220,784$289,224 Land $32,793 Building $256,431

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

Flood

FEMA maps place 9109 Ridge Dr 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 117 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies117 in force
Nearby Flood Claims7 (2014–2025)
Claims Outside the SFHA7 of 7
Most Recent ClaimMay 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 9109 Ridge Dr is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 57% of the US · lower than 70% of Florida
Wildfire Likelihood0.1% annual chance
ExposureNone
beyond ember reach

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 SystemHOLLEY-NAVARRE WATER SYSTEM
public/private · serves 47,793 people · EPA ID FL1570349
Water SourceGroundwater
Last State InspectionOct 2025
Lead6 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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

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