Santa Rosa County property record for 1908 Jo Tam Ln, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,083 sqft · built 2004 |
| Lot Size | 0.392 acres (17,119 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $311 (2024) |
| Deeds & Mortgages | Sep 2021 Mortgage Nov 2017 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 22-2S-26-4612-00000-0150 |
| Primary APN | 22-2S-26-4612-00000-0150 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,083 sqft Heated Area |
| Gross Area | 4,848 sqft |
| 1st Floor Area | 3,713 sqft |
| Upper Floors Area | 1,959 sqft |
| Flooring | Carpet |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Lot Area | 17,119 sqft (0.392 acres) |
| Lot Dimensions | 88 ft deep x 60 ft wide |
| Garage Area | 630 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 969 sqft |
| Deck Area | 66 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 222S264612000000150 |
|---|---|
| Street Address | 1908 JO TAM LN |
| City | NAVARRE |
| State | FL |
| Zip | 32566-2113 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | **NEWLY DESCRIBED FOR 2022** SANDY DUNES LOT 15 AS DES IN OR 2328 PG 290 & LOT 14 AS DES IN OR 3372 PG 1714 (PER COMBINE REQ |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 22 |
| Legal Subdivision | SANDY DUNES |
| Legal Lot Number | 14-16 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 10827 |
1908 Jo Tam Ln is owned and occupied by two individuals who acquired it in January 2019.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1908 JO TAM LN, NAVARRE, FL 32566-2113 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 21, 2021 | Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC |
| Nov 29, 2017 | Deed of Trust, Mortgage · VA Mortgage PRIME MORTGAGE LENDING INC |
| Feb 13, 2017 | Deed of Trust, Mortgage · Conventional Mortgage LOW VA RATES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 7, 2019 |
| Deed Sale | Jan 7, 2019 |
| Prior Sale | Jul 21, 2004 · Amount on File |
| Deed Document Number | 0003795776 |
| Deed Book / Page | 2328 / 0290 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 1908 JO TAM LN, NAVARRE, FL 32566-2113 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Title Company | ELEVATED TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 1908 JO TAM LN, NAVARRE, FL 32566-2113 |
| Investor | Possibly a Property Investor |
| Document Number | 0041801352 |
|---|---|
| Date | Sep 21, 2021 |
| Book Page | 4180/1352 |
| Instrument | 202162806 |
| Name | LOW VA RATES LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | LINDON, UT 84042 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 133 Months |
| Due | Oct 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 1908 JO TAM LN, NAVARRE, FL 32566-2113 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0036820061 |
|---|---|
| Date | Nov 29, 2017 |
| Book Page | 3682/0061 |
| Instrument | 201749134 |
| Name | PRIME MORTGAGE LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | APEX, NC 27502 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 1908 JO TAM LN, NAVARRE, FL 32566-2113 |
| Document Number | 0035991823 |
| Book / Page | 003599 / 001823 |
| Instrument Date | Feb 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2017 |
| Title Company | WORLDWIDE RECORDING INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1908 JO TAM LN NAVARRE FL 325662113, NAVARRE, FL 32566-2113 |
| Document Number | 0035991823 |
|---|---|
| Date | Feb 17, 2017 |
| Book Page | 003599/001823 |
| Instrument | 6441 |
| Name | LOW VA RATES LLC |
|---|---|
| Address | 384 S 400 W # 100, LINDON, UT 84042-1957 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 16, 2032 |
Source: Santa Rosa County assessment roll, as of July 1, 2024
| 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 |
|---|---|---|---|
| 2024 | $311.00 (+7.61%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $605,191 (+3%) | $719,924 (+0.39%) Land $297,750 Building $422,174 |
| 2023 | $289.00 (+6.25%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $587,564 (+3%) | $717,109 (+3.54%) Land $297,750 Building $419,359 |
| 2022 | $272.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $570,450 | $692,579 Land $291,300 Building $401,279 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1908 Jo Tam Ln in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 248 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 271 units insured incl. 23 condo units |
| Nearby Flood Claims | 31 (1995–2020) |
| Claims Outside the SFHA | 7 of 31 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| 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.
The area around 1908 Jo Tam Ln has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 445 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 in parts of the area | 5,000 / 5,000 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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