2116 Ortega St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2116 Ortega St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,902 sqft · built 2002
Lot Size	0.269 acres (11,718 sqft)
Owner	Individual Name on File
Last Sale	$194,000 (Jul 2016)
Tax Bill	$1,732 (2025)
Deeds & Mortgages	Aug 2023 Second Mortgage Jun 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-2S-26-1653-00C00-0040`

Property Details

APN / Parcel Number

Primary APN	`16-2S-26-1653-00C00-0040`
Alternative APN	`S26216165300C000040`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,902 sqft Living Area
Gross Area	2,538 sqft
1st Floor Area	1,902 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,718 sqft (0.269 acres)
Lot Dimensions	140 ft deep x 84 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	20 sqft
Patio Area	196 sqft
Shed	1 Shed
Shed Area	2 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2116 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 LOT 4 BLK C AS DES IN OR 3536 PG 693
Legal Range	26W
Legal Township	2S
Legal Section	16
Legal Subdivision	HAMPTON RIDGE EST
Legal Block	C
Legal Lot Number	4
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	2
Census Block	2016
Census Tract	10827

Owner

2116 Ortega St is owned and occupied by an individual who bought it in July 2016.

Source: Santa Rosa County records, as of April 28, 2026

Owner of Record	Individual Name on File
Mailing Address	2116 ORTEGA ST, NAVARRE, FL 32566-4120
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Jun 18, 2024	Deed of Trust, Mortgage · VA Mortgage GOODLEAP LC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2016 · Amount on File
Deed Sale	Jul 7, 2016 · Amount on File
Prior Sale	Apr 3, 2002 · Amount on File
Deed Document Number	201626362
Deed Book / Page	3536 / 693
Prior Transfer Date	Apr 18, 2007
Prior Transfer Doc	0027211547
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2116 ORTEGA ST, NAVARRE, FL 32566-4120
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2116 ORTEGA ST, NAVARRE, FL 32566-4120

Mortgage

Document Number	0044252079
Date	Aug 17, 2023
Book Page	4425/2079
Instrument	202337534

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2038

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2116 ORTEGA ST, NAVARRE, FL 32566-4120
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2116 ORTEGA ST, GULF BREEZE, FL 32566-4120

Mortgage

Document Number	0045130730
Date	Jun 18, 2024
Book Page	4513/730
Instrument	202427147

Lender

Name	GOODLEAP LC
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 2116 Ortega St was $1,732 with exemptions applied, up 4.1% 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	$1,732.00 (+4.15%) Homeowner's exemption Veteran's exemption	$177,560 (+2.9%)	$260,989 (-0.54%) Land $50,000 Building $210,989
2024	$1,663.00 (+3.36%) Homeowner's exemption Disabled Person's exemption	$172,556 (+3%)	$262,409 (+1.28%) Land $48,000 Building $214,409
2023	$1,609.00 (+3.21%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$167,530 (+3%)	$259,103 (+8.84%) Land $38,000 Building $221,103
2022	$1,559.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$162,650	$238,052 Land $35,000 Building $203,052

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

Flood

FEMA maps place 2116 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	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 2116 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.

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 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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