Santa Rosa County property record for 9154 Ridge Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,510 sqft · built 2020 |
| Lot Size | 0.565 acres (24,611 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $342,000 (Nov 2020) |
| Tax Bill | $230 (2024) |
| Deeds & Mortgages | Feb 2020 Construction Loan Nov 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-2S-26-0000-00342-0000 |
| Primary APN | 15-2S-26-0000-00342-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,510 sqft Living Area |
| Gross Area | 3,521 sqft |
| 1st Floor Area | 2,510 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Brick |
| Construction Type | Wood |
| 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 | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 436 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 9154 RIDGE DR |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-1186 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1M |
| Legal Description | *DESCRIPTION UPDATE FOR 2020* E2 OF W2 OF SW4 OF NE4 OF NW4 OF SE4 OF SECTION 15 TOWNSHIP 2 SOUTH RANGE 26 WEST LESS S 33 FOR RD AS DES IN OR 4031 PG 650 (OUT OF #1.75 FOR 2018) |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 15 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 10827 |
Source: Santa Rosa County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 308 TURQUOISE LN, PRINCETON, TX 75407-2769 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 14, 2020 | Deed of Trust, Mortgage · Construction Mortgage MIDSOUTH BANK |
| Nov 18, 2020 | Warranty Deed, Subdivision Related Transfer · VA Mortgage MORTGAGE ONE OF THE SOUTH INC |
| Feb 14, 2020 | Correction Deed ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 18, 2020 · Amount on Record |
| Deed Sale | Nov 18, 2020 · Amount on Record |
| Deed Document Number | 202061841 |
| Deed Book / Page | 4031 / 650 |
| Prior Transfer Date | Feb 12, 2020 |
| Prior Transfer Doc | 0039181501 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 9154 RIDGE DR, NAVARRE, FL 32566-1186 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0039181503 |
|---|---|
| Date | Feb 14, 2020 |
| Book Page | 3918/1503 |
| Instrument | 202007171 |
| Name | MIDSOUTH BANK |
|---|---|
| Type | Bank |
| Address | FORT WALTON BEACH, FL 32547 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Nov 18, 2020 |
| Property Address | 9154 RIDGE DR, NAVARRE, FL 32566-1186 |
| Document Number | 0040310650 |
| Book / Page | 4031 / 650 |
| Instrument Date | Nov 17, 2020 |
| Instrument | 202061841 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | MEAD LAW & TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,394.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 105 AUBURN RD, 105, FORT WALTON BEACH, FL 32547-2247 |
| Name | Verified Name |
|---|---|
| Address | 9154 RIDGE DR, NAVARRE, FL 32566-1186 |
| Document Number | 0004031652 |
|---|---|
| Date | Nov 18, 2020 |
| Instrument | 4031/652 |
| Name | MORTGAGE ONE OF THE SOUTH INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Feb 14, 2020 |
| Property Address | 9154 RIDGE DR, NAVARRE, FL 32566-1186 |
| Document Number | 0039181501 |
| Book / Page | 003918 / 001501 |
| Instrument Date | Feb 12, 2020 |
| Instrument | 7170 |
| Record Updated | Mar 13, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 105 AUBURN RD FORT WALTON BEACH FL 325472247, FORT WALTON BEACH, FL 32547-2247 |
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 | $332,680 (+2.9%) | $384,991 (+7.41%) Land $49,846 Building $335,145 | |
| 2024 | $230.00 (+7.48%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $323,304 (+9.79%) | $358,433 (+8.22%) Land $41,538 Building $316,895 |
| 2023 | $214.00 (+6.47%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $294,470 (+3%) | $331,203 (+3.47%) Land $37,384 Building $293,819 |
| 2022 | $201.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $285,893 | $320,086 Land $31,154 Building $288,932 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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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