9276 RIDGE DR NAVARRE FL 325661188, NAVARRE, FL 32566-1188
Mortgage
Document Number
0038551334
Date
Aug 1, 2019
Book Page
003855/001334
Instrument
33470
Lender
Name
SUNTRUST BK
Type
Bank
Address
RICHMOND, VA 23224
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
360 Months
Due
Jul 31, 2049
Interest
Rate
4.37%
Tax Assessment & Valuation
The 2025 property tax bill for 9276 Ridge Dr was $1,054 with a homeowner's exemption, up 4.6% from the year before.
Source: Santa Rosa County assessment roll, as of December 8, 2025
Property Jurisdictions
Type
Name
State
Florida
County
Santa Rosa County
Unified School District
Santa Rosa County School District (PK - 12)
Tax Bill & Assessment History
Year
Tax Bill
Assessed Value
Assessed Market Value
2025
$1,054.00 (+4.56%)Homeowner's exemption
$116,814 (+2.9%)
$194,352 (+15.65%)Land $99,693Building $94,659
2024
$1,008.00 (+3.7%)Homeowner's exemption
$113,522 (+3%)
$168,047 (+5.4%)Land $83,077Building $84,970
2023
$972.00 (+3.85%)Homeowner's exemption
$110,216 (+3%)
$159,444 (+14.28%)Land $74,769Building $84,675
2022
$936.00Homeowner's exemption
$107,006
$139,520Land $59,028Building $80,492
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.
Flood
FEMA maps place 9276 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
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 9276 Ridge Dr is moderate, ranking above 45% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
Wildfire Risk
Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood
0.07% annual chance
Exposure
Direct 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 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
Violations Reported to EPA
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.
Internet Providers
Source: FCC Broadband Data Collection, based on 196 locations within half a mile, as of December 31, 2025