Santa Rosa County property record for 9126 Ridge Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,837 sqft · built 1994 |
| Lot Size | 1.12 acres (49,005 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $580,000 (Jul 2023) |
| Tax Bill | $4,676 (2024) |
| Deeds & Mortgages | Jan 2026 Mortgage Jul 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-2S-26-0000-09400-0000 |
| Primary APN | 15-2S-26-0000-09400-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,837 sqft Living Area |
| Gross Area | 3,937 sqft |
| 1st Floor Area | 1,825 sqft |
| Upper Floors Area | 1,012 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 49,005 sqft (1.12 acres) |
| Lot Dimensions | 297 ft deep x 165 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Screened Porch |
| Porch Area | 524 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 9126 RIDGE DR |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-1186 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1M |
| Legal Description | *DESC UPDATE FOR 2023*W2 OF SE4 OF NW4 OF NW4 OF SE4 LESS S 33 FT FOR RD AS DES IN OR 4419 PG 1131 |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 15 |
| Legal Subdivision | CRESCENT SHORES |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 10827 |
9126 Ridge Dr is owned and occupied by two individuals who bought it in July 2023.
Source: Santa Rosa County records, as of May 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9126 RIDGE DR, NAVARRE, FL 32566-1186 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Jan 16, 2026 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jul 28, 2023 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 28, 2023 · Amount on File |
| Deed Sale | Jul 28, 2023 · Amount on File |
| Prior Sale | Sep 22, 2004 · Amount on File |
| Deed Document Number | 202334026 |
| Deed Book / Page | 4419 / 1131 |
| Prior Transfer Date | Jul 28, 2004 |
| Prior Transfer Doc | 0023540650 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 9126 RIDGE DR, NAVARRE, FL 32566-1186 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 9126 RIDGE DR, NAVARRE, FL 32566-1186 |
| Document Number | 0046991067 |
|---|---|
| Date | Jan 16, 2026 |
| Book Page | 4699/1067 |
| Instrument | 202602490 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jul 28, 2023 |
| Property Address | 9126 RIDGE DR, NAVARRE, FL 32566-1186 |
| Document Number | 0044191131 |
| Book / Page | 4419 / 1131 |
| Instrument Date | May 25, 2023 |
| Instrument | 202334026 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2023 |
| Title Company | GENESIS LAND & TITLE CO LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,060.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1028 CALLOWAY AVE, CHESAPEAKE, VA 23324-1111 |
| Name | Verified Name |
|---|---|
| Address | 9126 RIDGE DR, NAVARRE, FL 32566-1186 |
| Document Number | 0044191132 |
|---|---|
| Date | Jul 28, 2023 |
| Instrument | 4419/1132 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2053 |
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 | $444,029 (+2.9%) | $471,574 (+9.28%) Land $104,940 Building $366,634 | |
| 2024 | $4,676.00 (+109.69%) Homeowner's exemption Disabled Person's exemption | $431,515 (+105.13%) Land $87,450 Building $344,065 | $431,515 (+10.95%) Land $87,450 Building $344,065 |
| 2023 | $2,230.00 (+3.29%) Homeowner's exemption | $210,359 (+3.28%) | $388,937 (+12.82%) Land $74,769 Building $314,168 |
| 2022 | $2,159.00 Homeowner's exemption | $203,673 | $344,742 Land $62,308 Building $282,434 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 9126 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 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 9126 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 Risk | Moderate above 57% of the US · lower than 70% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | None beyond ember reach |
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 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 |
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