2118 Tom St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2118 Tom St, Navarre, FL 32566

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,400 sqft · built 2005
Lot Size	0.061 acres (2,700 sqft)
Owner	Individual Name on Record
Last Sale	$182,500 (Jan 2021)
Tax Bill	$2,710 (2024)
Deeds & Mortgages	Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-2S-26-4695-00000-2118`

Property Details

APN / Parcel Number

Primary APN	`13-2S-26-4695-00000-2118`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,400 sqft Adjusted Area

Exterior

Year Built	Built 2005
Lot Area	2,700 sqft
Lot Dimensions	100 ft deep x 27 ft wide
Garage Area	304 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	132S264695000002118
Street Address	2118 TOM ST
City	NAVARRE
State	FL
Zip	32566-3303
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	SANTA ROSA OAKS CONDOMINIUM UNIT 2118 WITH AN UNDIV SHARE IN COMMON AREA AS DES IN OR 4060 PG 1639
Legal Range	26W
Legal Township	02S
Legal Section	13
Legal Subdivision	SANTA ROSA OAKS COND
Legal Unit	2118
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1004
Census Tract	10828

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2118 TOM ST # 2118, 2118, NAVARRE, FL 32566-3303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2021 · Amount on Record
Deed Sale	Jan 25, 2021 · Amount on Record
Prior Sale	Apr 11, 2007
Deed Document Number	202104622
Deed Book / Page	4060 / 1639
Record Updated	Jun 8, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jan 25, 2021
Property Address	2118 TOM ST, NAVARRE, FL 32566-3303
Document Number	0040601639
Book / Page	4060 / 1639
Map Reference	MB 9 PG 64
Instrument Date	Jan 21, 2021
Instrument	202104622
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,277.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1988 CAMBRIDGE PARK DR, 1988, GULF BREEZE, FL 32563-0100

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2118 TOM ST # 2118, 2118, NAVARRE, FL 32566-3303

Mortgage

Document Number	0040601641
Date	Jan 25, 2021
Instrument	4060/1641

Lender

Name	ARVEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

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
2024	$2,710.00 (+3.2%)	$225,000 (+4.65%) Building $225,000	$225,000 (+4.65%) Building $225,000
2023	$2,626.00 (+6.4%)	$215,000 (+7.5%) Building $215,000	$215,000 (+7.5%) Building $215,000
2022	$2,468.00	$200,000	$200,000 Building $200,000

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

Flood

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 Record median of 122 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	122 in force
Nearby Flood Claims	4 (2014–2020)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 2 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 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

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

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 467 locations within half a mile, as of December 31, 2025

Provider	Max 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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