Santa Rosa County property record for 2108 Ortega St, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,139 sqft · built 2002 |
| Lot Size | 0.269 acres (11,718 sqft) |
| Owner | Individual Name on File |
| Last Sale | $229,900 (Jul 2016) |
| Tax Bill | $2,135 (2024) |
| Deeds & Mortgages | Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-2S-26-1653-00C00-0020 |
| Primary APN | 16-2S-26-1653-00C00-0020 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,139 sqft Heated Area |
| Gross Area | 2,801 sqft |
| 1st Floor Area | 2,559 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 11,718 sqft (0.269 acres) |
| Lot Dimensions | 1,400 ft deep x 840 ft wide |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 46 sqft |
| Patio Area | 196 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 162S26165300C000020 |
|---|---|
| Street Address | 2108 ORTEGA ST |
| City | NAVARRE |
| State | FL |
| Zip | 32566-4120 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HAMPTON RIDGE ESTATES BLK C LT 2 AS DES IN OR 3537 PG 1842 |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 16 |
| Legal Subdivision | HAMPTON RIDGE ESTATES |
| Legal Block | C |
| Legal Lot Number | 2 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 10827 |
2108 Ortega St is owned and occupied by an individual who bought it in July 2016.
Source: Santa Rosa County records, as of October 27, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 104 KNOLLWOOD, CAMERON, NC 28326-5003 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 13, 2016 · Amount on File |
| Deed Sale | Jul 13, 2016 · Amount on File |
| Prior Sale | Jul 6, 2009 · Amount on File |
| Deed Document Number | 201627188 |
| Deed Book / Page | 3537 / 1842 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2108 ORTEGA ST, NAVARRE, FL 32566-4120 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 168 SPEAR LOOP, CLOVIS, NM 88101-8859 |
| Document Number | 0041941296 |
|---|---|
| Date | Oct 18, 2021 |
| Book Page | 4194/1296 |
| Instrument | 202169537 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Sep 1, 2046 |
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 | $2,135.00 (+13.26%) Homeowner's exemption | $207,527 (+12.17%) | $328,951 (+8.93%) Land $48,000 Building $280,951 |
| 2023 | $1,885.00 (+2.95%) Homeowner's exemption | $185,015 (+3%) | $301,989 (+11.7%) Land $38,000 Building $263,989 |
| 2022 | $1,831.00 Homeowner's exemption | $179,626 | $270,364 Land $35,000 Building $235,364 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2108 Ortega St 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 2108 Ortega St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond 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 321 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 | 5,000 / 5,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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