2127 Tom St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2127 Tom St, Navarre, FL 32566

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,400 sqft · built 2004
Lot Size	0.062 acres (2,700 sqft)
Owner	Individual Name on File
Last Sale	$224,000 (Sep 2021)
Tax Bill	$2,724 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-2S-26-4695-00000-2127`

Property Details

APN / Parcel Number

Primary APN	`13-2S-26-4695-00000-2127`
Alternative APN	`S262134695000002127`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	1,400 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	2,700 sqft (0.062 acres)
Lot Dimensions	100 ft deep x 27 ft wide
Garage Area	304 sqft
Porch	Finished/Open Porch
Porch Area	30 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2127 TOM ST
City	NAVARRE
State	FL
Zip	32566-3304
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	SANTA ROSA OAKS CONDOMINIUM UNIT 2127 WITH AN UNDIVIDED SHARE IN COMMON AREA AS DES OR 4180 PG 453
Legal Range	26W
Legal Township	2S
Legal Section	13
Legal Subdivision	SANTA ROSA OAKS COND
Legal Lot Number	2127
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1003
Census Tract	10828

Owner

2127 Tom St, a condominium, is owned by an individual who bought it in September 2021.

Source: Santa Rosa County records, as of July 31, 2026

Owner of Record	Individual Name on File
Mailing Address	310 W VICTORIA TRAILS BLVD, DELAND, FL 32724-8853
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2021 · Amount on File
Deed Sale	Sep 20, 2021 · Amount on File
Prior Sale	Apr 3, 2007 · Amount on File
Deed Document Number	202162618
Deed Book / Page	4180 / 453
Prior Transfer Date	Dec 22, 2004
Prior Transfer Doc	0000076165
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 20, 2021
Property Address	2127 TOM ST, NAVARRE, FL 32566-3304
Document Number	0041800453
Book / Page	4180 / 453
Map Reference	MB 2289 PG 2079
Instrument Date	Sep 17, 2021
Instrument	202162618
Transaction Type	Transfer
Record Updated	Oct 15, 2021
Title Company	CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,568.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9124 DUTCH OVEN CT, 9124, LAS VEGAS, NV 89178-6206

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2127 TOM ST, NAVARRE, FL 32566-3304

Mortgage

Document Number	4180455
Date	Sep 20, 2021
Instrument	4180/455

Lender

Name	CBM MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2127 Tom St was $2,724, up 0.5% 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	$2,724.00 (+0.52%)	$225,000 (-) Building $225,000	$225,000 (-) Building $225,000
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

FEMA maps place 2127 Tom St in Zone X, an area of minimal flood risk, though there have been 4 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 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

Wildfire risk around 2127 Tom 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 Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% 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 280 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 · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20