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2078 Wind Trace Rd S, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2078 Wind Trace Rd S, Navarre, FL 32566

Property Summary

Property TypeTownhouse
Details2 bd · 2 ba · 1,176 sqft · built 1984
Lot Size0.123 acres (5,401 sqft)
Owner2 Owner Names on File
Last Sale$170,000 (Nov 2005)
Tax Bill$699 (2024)
Deeds & MortgagesSep 2025 Mortgage
Dec 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN21-2S-26-0780-00V05-0000

Property Details

APN / Parcel Number

Primary APN21-2S-26-0780-00V05-0000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,176 sqft Heated Area
Gross Area1,700 sqft
1st Floor Area1,176 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1984
Exterior MaterialStucco
Construction TypeWood
Foundation TypeMasonry
Roof MaterialClay Tile
Lot Area5,401 sqft (0.123 acres)
Lot Dimensions810 ft deep x 670 ft wide
Garage Area440 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchFinished/Screened Porch
Porch Area84 sqft
Shed1 Shed
Shed Area1 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number212S26078000V050000
Street Address2078 WIND TRACE RD S
CityNAVARRE
StateFL
Zip32566-3011
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodeR2
Legal DescriptionCOM AT NW COR TRACT V CRESCENT SHORES TH S 155 FT TH E 130.85 FT TO POB TH CONT E 80.85 FT TH S 67.5 FT TH W 80.85 FT TH N
Legal Range26W
Legal Township02S
Legal Section21
Legal SubdivisionCRESCENT SHORES
Legal TractV
Legal Lot Number12
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group1
Census Block1007
Census Tract10827

Owner

The current owner of 2078 Wind Trace Rd S bought it in November 2005.

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

Owner of Record2 Owner Names on File
Mailing Address2078 WIND TRACE RD S, NAVARRE, FL 32566-3011
OccupancyOwner Occupied

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
Sep 30, 2025Deed of Trust, Mortgage · Conventional Mortgage
REGIONS BANK
Dec 21, 2018Deed of Trust, Mortgage · Commercial Mortgage
REGIONS BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 2, 2005 · Amount on File
Deed SaleNov 2, 2005 · Amount on File
Deed Document Number200573523
Deed Book / Page2526 / 0082
Record UpdatedJun 8, 2026

September 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address2078 WIND TRACE RD S, NAVARRE, FL 32566-3011
Transaction TypeMortgage
Record UpdatedOct 30, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address2078 WIND TRACE RD S, NAVARRE, FL 32566-3011

Mortgage

Document Number0046640616
DateSep 30, 2025
Book Page4664/616
Instrument202546054
Lender
NameREGIONS BANK
TypeBank
AddressBIRMINGHAM, AL 35244
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueOct 1, 2055

December 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address2078 WIND TRACE RD S, NAVARRE, FL 32566-3011
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0037920192
DateDec 21, 2018
Book Page3792/0192
Instrument201853984
Lender
NameREGIONS BANK
TypeBank
AddressBIRMINGHAM, AL 35211
Agreement
TypeCommercial Mortgage
AmountAmount on Record
Term358 Months
DueOct 10, 2048
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

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$699.00 (+35.47%) Homeowner's exemption Senior Citizen's exemption$112,540 (+3%)$175,232 (+1.4%) Land $25,200 Building $150,032
2023$516.00 Homeowner's exemption Senior Citizen's exemption$109,262$172,817 Land $23,940 Building $148,877

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

Flood

FEMA maps place 2078 Wind Trace Rd S in Zone X, an area of minimal flood risk, though there have been 31 flood claims nearby since 1995.

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 248 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies271 units insured
incl. 23 condo units
Nearby Flood Claims31 (1995–2020)
Claims Outside the SFHA7 of 31
Most Recent ClaimSep 2020 · Hurricane Sally
Claims by Event
  • Hurricane Sally, Sep 2020 · 15 claims
  • Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 2 claims
  • Hurricane Frances, Sep 2004 · 10 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 2078 Wind Trace Rd S is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% 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 467 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
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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