2131 Pepper Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2131 Pepper Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,638 sqft · built 2005
Lot Size	0.526 acres (22,956 sqft)
Owner	2 Individual Names on Record
Last Sale	$501,000 (Jun 2022)
Tax Bill	$202 (2024)
Deeds & Mortgages	Jun 2022 Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-2S-26-1920-23800-0110`

Property Details

APN / Parcel Number

Primary APN	`18-2S-26-1920-23800-0110`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,638 sqft Heated Area
Gross Area	3,214 sqft
1st Floor Area	3,038 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2015
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	22,956 sqft (0.526 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	56 sqft
Patio Area	120 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	182S261920238000110
Street Address	2131 PEPPER DR
City	NAVARRE
State	FL
Zip	32566-7709
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HOLLEY BY THE SEA LOT 11 BLK 238 AS DES IN OR 4297 PG 305
Legal Range	26W
Legal Township	02S
Legal Section	18
Legal Subdivision	BY THE SEA
Legal Block	238
Legal Lot Number	11
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	2
Census Block	2032
Census Tract	10821

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	2 Individual Names on Record
Mailing Address	2131 PEPPER DR, NAVARRE, FL 32566-7709
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Mar 13, 2020	Warranty Deed, Transfer · VA Mortgage IBERIABANK
Aug 16, 2018	Warranty Deed, Transfer · VA Mortgage BANK OF ENGLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2022 · Amount on Record
Deed Sale	Jun 16, 2022 · Amount on Record
Prior Sale	Aug 16, 2018 · Amount on Record
Deed Document Number	0004297305
Deed Book / Page	3928 / 956
Prior Transfer Date	Mar 13, 2020
Prior Transfer Doc	202012313
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2131 PEPPER DR, NAVARRE, FL 32566-7709
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042970311
Date	Jun 21, 2022
Book Page	4297/311
Instrument	202236821

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 13, 2020
Property Address	2131 PEPPER DR, NAVARRE, FL 32566-7709
Document Number	0039280956
Book / Page	003928 / 000956
Instrument Date	Mar 9, 2020
Instrument	12313
Transaction Type	Transfer
Record Updated	May 22, 2020
Title Company	RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,160.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2131 PEPPER DR NAVARRE FL 325667709, NAVARRE, FL 32566-7709

Mortgage

Document Number	39280957
Date	Mar 13, 2020
Book Page	003928/000957
Instrument	12314

Lender

Name	IBERIABANK
Type	Bank
Address	LAFAYETTE, LA 70501

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 12, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 16, 2018
Property Address	2131 PEPPER DR, NAVARRE, FL 32566-7709
Document Number	0037571167
Book / Page	003757 / 001167
Instrument Date	Aug 14, 2018
Instrument	35094
Transaction Type	Transfer
Record Updated	Oct 11, 2018
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	319 RACETRACK RD NW #1113 FORT WALTON BEACH FL 325474505, 1113, FORT WALTON BEACH, FL 32547-4505

Mortgage

Document Number	37571169
Date	Aug 16, 2018
Book Page	003757/001169
Instrument	35095

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2048

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	$202.00 (-95.61%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$394,570 (+3.37%) Land $75,000 Building $319,570	$394,570 (+3.37%) Land $75,000 Building $319,570
2023	$4,602.00 (+22.3%)	$381,700 (+18.4%) Land $65,000 Building $316,700	$381,700 (+18.4%) Land $65,000 Building $316,700
2022	$3,763.00	$322,373	$322,373 Land $50,000 Building $272,373

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 162 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	162 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Sep 2020 · Hurricane Sally

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	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.1% 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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50

May also be available: LiveOak Fiber.

Nearby Properties on Pepper Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures