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9231 Ridge Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 9231 Ridge Dr, Navarre, FL 32566

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,891 sqft · built 2018
Lot Size0.511 acres (22,275 sqft)
Owner2 Individual Names on File
Last Sale$240,700 (Apr 2018)
Tax Bill$2,088 (2024)
Deeds & MortgagesMay 2020 Mortgage
Apr 2018 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN15-2S-26-0000-03701-0000

Property Details

APN / Parcel Number

Primary APN15-2S-26-0000-03701-0000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,891 sqft Heated Area
Gross Area2,457 sqft
1st Floor Area2,291 sqft
FlooringLaminate Plank
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2018
Exterior MaterialVinyl
Construction TypeWood
Foundation TypeSlab (Mat/Raft)
Roof MaterialShingle
Lot Area22,275 sqft (0.511 acres)
Lot Dimensions2,970 ft deep x 750 ft wide
Garage Area400 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area166 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number152S260000037010000
Street Address9231 RIDGE DR
CityNAVARRE
StateFL
Zip32566-1189
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1M
Legal DescriptionTH E 75 FT OF TH FOLLOWING: W2 OF NE4 OF SW4 OF NE4 OF SE4 AS DES IN OR 3715 PG 1049 LESS N 33 FT FOR RD
Legal Range26W
Legal Township02S
Legal Section15
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group2
Census Block2011
Census Tract10827

Owner

9231 Ridge Dr is owned and occupied by two individuals who bought it in April 2018.

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

Owner of Record2 Individual Names on File
Mailing Address9231 RIDGE DR, NAVARRE, FL 32566-1189
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
May 4, 2020Deed of Trust, Mortgage · VA Mortgage
PRIME LNDG
Apr 3, 2018Warranty Deed, Transfer · VA Mortgage
PRIME LNDG
Dec 8, 2017Loan Modification, Mortgage · Line of Credit
CENTENNIAL BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 3, 2018 · Amount on File
Deed SaleApr 3, 2018 · Amount on File
Prior SaleSep 25, 2017 · Amount on File
Deed Document Number201812941
Deed Book / Page3715 / 1049
Record UpdatedJun 8, 2026

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address9231 RIDGE DR, NAVARRE, FL 32566-1189
Document Number0039481660
Instrument DateMay 4, 2020
Transaction TypeMortgage
Record UpdatedJun 25, 2020
Title CompanyNATIONWIDE TITLE CLEARING INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address9231 RIDGE DR NAVARRE FL 325661189, NAVARRE, FL 32566-1189

Mortgage

Document Number0039481660
DateMay 8, 2020
Book Page003948/001660
Instrument21910
Lender
NamePRIME LNDG
AddressDALLAS, TX 75252
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueMay 7, 2050

April 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateApr 3, 2018
Property Address9231 RIDGE DR, NAVARRE, FL 32566-1189
Document Number0037151049
Book / Page003715 / 001049
Instrument DateMar 28, 2018
Instrument12941
Transaction TypeTransfer
Record UpdatedApr 16, 2018
Title CompanyGUARANTEE TITLE/NORTHWEST FL

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,684.90
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address9231 RIDGE DR NAVARRE FL 325661189, NAVARRE, FL 32566-1189

Mortgage

Document Number37151051
DateApr 3, 2018
Book Page003715/001051
Instrument12942
Lender
NamePRIME LNDG
AddressDALLAS, TX 75252
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueApr 2, 2048

December 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionSANTA ROSA FL
Recording DateDec 8, 2017
Property Address9231 RIDGE DR, NAVARRE, FL 32566-1189
Document Number0036850259
Book / Page003685 / 000259
Instrument DateDec 6, 2017
Instrument50600
Transaction TypeMortgage
Record UpdatedAug 29, 2018
Title CompanyGUARANTEE TITLE/NORTHWEST FL

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany

Mortgage

Document Number36850259
DateDec 8, 2017
Book Page003685/000259
Instrument50600
Lender
NameCENTENNIAL BK
TypeBank
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate

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$2,088.00 (+2.5%) Homeowner's exemption$207,533 (+3%)$273,900 (+2.05%) Land $39,750 Building $234,150
2023$2,037.00 (+2.88%) Homeowner's exemption$201,488 (+3%)$268,388 (+4.65%) Land $35,775 Building $232,613
2022$1,980.00 Homeowner's exemption$195,619$256,468 Land $29,812 Building $226,656

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

Flood

FEMA maps place 9231 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 9231 Ridge Dr is low, with a 0.05% annual chance of wildfire.

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

Wildfire RiskLow
lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood0.05% annual chance
ExposureDirect
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 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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