2128 Tom St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2128 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	2 Individual Names on File
Last Sale	$153,000 (Apr 2018)
Tax Bill	$1,264 (2024)
Deeds & Mortgages	Apr 2018 Sale & Mortgage Sep 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`13-2S-26-4695-00000-2128`

Property Details

APN / Parcel Number

Primary APN	`13-2S-26-4695-00000-2128`

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	132S264695000002128
Street Address	2128 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 2128 WITH AN UNDIVIDED SHARE IN COMMON AREA ALL AS DES IN OR 3719 PG 1121
Legal Range	26W
Legal Township	02S
Legal Section	13
Legal Subdivision	SANTA ROSA OAKS COND
Legal Unit	2128
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1004
Census Tract	10828

Owner

2128 Tom St, a condominium, is owned and occupied by two individuals who bought it in April 2018.

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	2 Individual Names on File
Mailing Address	2128 TOM ST, NAVARRE, FL 32566-3303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2018	Warranty Deed, Transfer · VA Mortgage BANK OF ENGLAND
Sep 19, 2017	Warranty Deed, Transfer EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2018 · Amount on File
Deed Sale	Apr 17, 2018 · Amount on File
Prior Sale	Sep 19, 2017 · Amount on File
Deed Document Number	201815163
Deed Book / Page	3719 / 1121
Record Updated	Jun 8, 2026

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 17, 2018
Property Address	2128 TOM ST, NAVARRE, FL 32566-3303
Document Number	0037191121
Book / Page	003719 / 001121
Instrument Date	Apr 13, 2018
Instrument	15163
Transaction Type	Transfer
Record Updated	Jun 12, 2018

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,071.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2128 TOM ST NAVARRE FL 325663303, NAVARRE, FL 32566-3303

Mortgage

Document Number	37191123
Date	Apr 17, 2018
Book Page	003719/001123
Instrument	15164

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 16, 2048

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 19, 2017
Property Address	2128 TOM ST, NAVARRE, FL 32566-3303
Document Number	0036620591
Book / Page	003662 / 000591
Instrument Date	Sep 15, 2017
Instrument	38876
Transaction Type	Transfer
Record Updated	Oct 13, 2017
Title Company	EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS INC

Transaction

Amount	Amount on Record
Tax	$1,015.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5806 ROCKY BRANCH RD SIGNAL MOUNTAIN TN 373771338, SIGNAL MOUNTAIN, TN 37377-1338

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	$1,264.00 (+3.18%) Homeowner's exemption	$136,021 (+3%)	$225,000 (+4.65%) Building $225,000
2023	$1,225.00 (+3.46%) Homeowner's exemption	$132,059 (+3%)	$215,000 (+7.5%) Building $215,000
2022	$1,184.00 Homeowner's exemption	$128,213	$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 2128 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 2128 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 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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