Santa Rosa County property record for 9258 Ridge Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,243 sqft |
| Lot Size | 0.565 acres (24,611 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $534,900 (Feb 2025) |
| Tax Bill | $757 (2025) |
| Deeds & Mortgages | Sep 2024 Mortgage Feb 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-2S-26-0000-00364-0000 |
| Primary APN | 15-2S-26-0000-00364-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,243 sqft Living Area |
| Gross Area | 3,544 sqft |
| 1st Floor Area | 2,243 sqft |
| Flooring | Wood |
| 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 | 504 sqft |
| Porch | Slab |
| Porch Area | 295 sqft |
| Patio Area | 502 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 9258 RIDGE DR |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-1188 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1M |
| Legal Description | *NEW PARCEL DESCRIPTION 2025* E2 OF W2 OF SW4 OF NE4 OF NE4 OF SE4 OF 15-2S-26 W LESS S 3 3 FT FOR RD AS DES IN PART IN OR 4583 PG 1802 & ALL AS DES PER SEP REQ/SURVEY FOR 2023 (OUT OF FKA #1.63 FOR 2023) |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 10827 |
9258 Ridge Dr is owned and occupied by two individuals who bought it in February 2025.
Source: Santa Rosa County records, as of April 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9258 RIDGE DR, NAVARRE, FL 32566-1188 |
| 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 |
|---|---|
| Sep 5, 2024 | Deed of Trust, Mortgage · Commercial Mortgage CADENCE BANK NA |
| Feb 4, 2025 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FIRST NATIONAL BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 4, 2025 · Amount on File |
| Deed Sale | Feb 4, 2025 · Amount on File |
| Deed Document Number | 20254599 |
| Deed Book / Page | 4583 / 1802 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 9258 RIDGE DR, NAVARRE, FL 32566-1188 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Title Company | EMERALD COAST TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 1142 HARRISON AVE, GULF BREEZE, FL 32563-5319 |
| Investor | Possibly a Property Investor |
| Document Number | 0045391139 |
|---|---|
| Date | Sep 5, 2024 |
| Book Page | 4539/1139 |
| Instrument | 202440310 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Address | FORT WALTON BEACH, FL 32548 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Feb 4, 2025 |
| Property Address | 9258 RIDGE DR, NAVARRE, FL 32566-1188 |
| Document Number | 0045831802 |
| Book / Page | 4583 / 1802 |
| Instrument Date | Feb 3, 2025 |
| Instrument | 202504599 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 27, 2026 |
| Title Company | EMERALD COAST TITLE INC - GULF BREEZE, EMERALD COAST TTL INC GULF B |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,744.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1142 HARRISON AVE, GULF BREEZE, FL 32563-5319 |
| Name | Verified Name |
|---|---|
| Address | 9258 RIDGE DR, NAVARRE, FL 32566-1188 |
| Document Number | 0045831804 |
|---|---|
| Date | Feb 4, 2025 |
| Instrument | 4583/1804 |
| Name | FIRST NATIONAL BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 20, 2055 |
The 2025 property tax bill for 9258 Ridge Dr was $757, up 49% from the year before.
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 | $757.00 (+49.02%) | $50,148 (+2%) Land $50,148 | $50,148 (+2%) Land $50,148 |
| 2024 | $508.00 | $41,790 Land $41,790 | $41,790 Land $41,790 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 9258 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 9258 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 Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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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