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2040 Esplanade St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2040 Esplanade St, Navarre, FL 32566

Property Summary

Property TypeMulti-Family Dwellings
Details6 bd · 4 ba · 2,079 sqft · built 2005
Lot Size0.229 acres (9,975 sqft)
Owner2 Individual Names on File
Last Sale$430,000 (Aug 2022)
Tax Bill$3,053 (2024)
Deeds & MortgagesAug 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN21-2S-26-2740-01000-0030

Property Details

APN / Parcel Number

Primary APN21-2S-26-2740-01000-0030
Alternative APN
  • S262212740010000030

Interior

Bedrooms6 Beds
Full Baths4 Baths
Units2 Units
Stories1 Story
Building Area2,079 sqft Living Area
Gross Area2,155 sqft
1st Floor Area2,079 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Architectural StyleMulti-Family
Exterior MaterialBrick
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialWood Shingle
Lot Area9,975 sqft (0.229 acres)
Lot Dimensions200 ft deep x 50 ft wide

Exterior Amenities

PorchFinished/Open Porch
Porch Area76 sqft
Shed1 Shed
Shed Area1 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address2040 ESPLANADE ST
CityNAVARRE
StateFL
Zip32566-1004
Property CategoryResidential
Property TypeResidential > Multi-Unit > Multi-Family Dwellings
Local Zoning CodeR2M
Legal DescriptionNAVARRE 1ST ADD N 1/2 LOT 3 BLK 10 AS DES IN OR 4313 PG 1454
Legal Range26W
Legal Township2S
Legal Section21
Legal SubdivisionNAVARRE 1ST ADD
Legal Block10
Legal Lot Number3
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group3
Census Block3009
Census Tract10827

Owner

2040 Esplanade St, a residential property, is owned by two individuals who bought it in August 2022.

Source: Santa Rosa County records, as of December 8, 2025

Owner of Record2 Individual Names on File
Mailing Address2220 SEASCALE CT, NAVARRE, FL 32566-3607
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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 5, 2022 · Amount on File
Deed SaleAug 5, 2022 · Amount on File
Prior SaleNov 13, 2007 · Amount on File
Deed Document Number202246133
Deed Book / Page4313 / 1454
Prior Transfer DateJul 28, 2022
Prior Transfer Doc0043131454
Record UpdatedJun 8, 2026

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateAug 5, 2022
Property Address2040 ESPLANADE ST, NAVARRE, FL 32566-1004
Document Number0043131454
Book / Page4313 / 1454
Map ReferenceMB B PG 169
Instrument DateJul 28, 2022
Instrument202246133
Transaction TypeTransfer
Record UpdatedApr 16, 2024
Title CompanyBRIGHT LIGHT LAND TITLE COMPANY LLC, BRIGHT LIGHT LAND TTL CO LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,010.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2515 SW 35TH PL # PL208, PL208, GAINESVILLE, FL 32608-3220

Transferred To (Grantee/Buyer)

NameVerified Name
Address2220 SEASCALE CT, NAVARRE, FL 32566-3607

Mortgage

Document Number0043131456
DateAug 5, 2022
Instrument4313/1456
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueAug 1, 2052
Interest
Rate TypeAdjustable Rate
Rate6.99%
Type Change DateAug 1, 2027
Change Frequency6 Months
Min Rate At Change6.99%
Max Rate At Change8.99%
IndexOther
Max Rate11.9%

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

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
2025$265,088 (+3.88%) Land $64,000 Building $201,088$265,088 (+3.88%) Land $64,000 Building $201,088
2024$3,053.00 (+1.03%)$255,182 (+2.39%) Land $60,000 Building $195,182$255,182 (+2.39%) Land $60,000 Building $195,182
2023$3,022.00 (+22.9%)$249,233 (+4.81%) Land $60,000 Building $189,233$249,233 (+4.81%) Land $60,000 Building $189,233
2022$2,459.00$237,790$237,790 Land $49,500 Building $188,290

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

Flood

FEMA maps place 2040 Esplanade St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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 115 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies115 in force
Nearby Flood Claims1 (2020)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 2020 · Hurricane Sally

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 2040 Esplanade St is low, with a 0.02% annual chance of wildfire.

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

Wildfire RiskLow
lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
beyond ember reach

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 273 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 · Fixed Wireless in parts of the area		5,000 / 5,000
Mediacom Xtream
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: Cox Communications.

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