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9150 Ridge Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 9150 Ridge Dr, Navarre, FL 32566

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,569 sqft · built 2020
Lot Size0.565 acres (24,611 sqft)
Owner2 Individual Names on File
Last Sale$343,600 (Jun 2020)
Tax Bill$3,932 (2025)
Deeds & MortgagesJun 2020 Sale & Mortgage
Aug 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN15-2S-26-0000-00175-0000

Property Details

APN / Parcel Number

Primary APN15-2S-26-0000-00175-0000
Alternative APN
  • S262150000001750000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,569 sqft Living Area
Gross Area3,444 sqft
1st Floor Area2,569 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialBrick
Construction TypeWood
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialWood Shingle
Lot Area24,611 sqft (0.565 acres)
Lot Dimensions297 ft deep x 83 ft wide
Garage TypeAttached
Garage Area598 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area277 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address9150 RIDGE DR
CityNAVARRE
StateFL
Zip32566-1186
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1M
Legal Description*DESCRIPTION UPDATE FOR 2020* W2 OF W2 OF SW4 OF NE4 OF NW4 OF SE4 LESS S 33' FOR RD R/W SECTION 15 TOWNSHIP 2 SOUTH RANGE 26 WEST AS DES IN PART IN OR 3965 PG 356 (E2 OF THIS DESCRIPTION NOW #3.42 FOR 2018)
Legal Range26W
Legal Township2S
Legal Section15
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group2
Census Block2012
Census Tract10827

Owner

9150 Ridge Dr is owned and occupied by two individuals who bought it in June 2020.

Source: Santa Rosa County records, as of September 29, 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 Record2 Individual Names on File
Mailing Address9150 RIDGE DR, NAVARRE, FL 32566-1186
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 19, 2020Warranty Deed, Subdivision Related Transfer · VA Mortgage
MORTGAGE ONE/SOUTH
Aug 28, 2019Warranty Deed, Construction Loan · Commercial Mortgage
FIRST FLORIDA BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 19, 2020 · Amount on File
Deed SaleJun 19, 2020 · Amount on File
Prior SaleAug 28, 2019 · Amount on File
Deed Document Number202029773
Deed Book / Page3965 / 356
Record UpdatedOct 29, 2026

June 2020: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateJun 19, 2020
Property Address9150 RIDGE DR, NAVARRE, FL 32566-1186
Document Number0039650356
Book / Page003965 / 000356
Instrument DateJun 18, 2020
Instrument29773
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 6, 2020
Title CompanyMEAD LAW AND TITLE, MEAD LAW & TITLE

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,679.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address9150 RIDGE DR NAVARRE FL 325661186, NAVARRE, FL 32566-1186

Mortgage

Document Number39650358
DateJun 19, 2020
Book Page003965/000358
Instrument29774
Lender
NameMORTGAGE ONE/SOUTH
TypeMortgage Company
AddressFORT WALTON BEACH, FL 32548
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueJun 18, 2050

August 2019: Warranty Deed, Construction Loan

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateAug 28, 2019
Property Address9150 RIDGE DR, NAVARRE, FL 32566-1186
Document Number0038640779
Book / Page3864 / 0779
Instrument DateAug 26, 2019
Instrument201938185
Transaction TypeConstruction Loan
Record UpdatedDec 21, 2021
Title CompanyMEAD LAW & TITLE

Transaction

AmountAmount on Record
Tax$350.00
Amount AccuracyRounded by County

Transferred From (Grantor/Seller)

NameVerified Name
Address105 AUBURN RD, 105, FORT WALTON BEACH, FL 32547-2247

Transferred To (Grantee/Buyer)

NameVerified Name
Address105 AUBURN RD, FORT WALTON BEACH, FL 32547-2247

Mortgage

Document Number0038640781
DateAug 28, 2019
Book Page3864/0781
Instrument201938186
Lender
NameFIRST FLORIDA BANK
TypeBank
AddressDESTIN, FL 32541
Agreement
TypeCommercial Mortgage
AmountAmount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 9150 Ridge Dr was $3,932 with a homeowner's exemption, up 3.5% from the year before.

Source: Santa Rosa County assessment roll, as of December 8, 2025

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
2025$3,932.00 (+3.53%) Homeowner's exemption$362,413 (+2.9%)$410,370 (+4.7%) Land $52,470 Building $357,900
2024$3,798.00 (+2.04%) Homeowner's exemption$352,199 (+3%)$391,948 (+2.08%) Land $43,725 Building $348,223
2023$3,722.00 (+2.53%) Homeowner's exemption$341,941 (+3%)$383,968 (+3.31%) Land $39,352 Building $344,616
2022$3,630.00 Homeowner's exemption$331,982$371,675 Land $32,793 Building $338,882

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

Flood

FEMA maps place 9150 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 9150 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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