2135 Tom St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2135 Tom St, Navarre, FL 32566

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,400 sqft · built 2004
Lot Size	0.06 acres (2,640 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (May 2006)
Tax Bill	$2,238 (2024)
Deeds & Mortgages	Oct 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`13-2S-26-4695-00000-2135`

Property Details

APN / Parcel Number

Primary APN	`13-2S-26-4695-00000-2135`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,400 sqft Adjusted Area
Gross Area	1,819 sqft

Exterior

Year Built	Built 2004
Exterior Material	Brick
Construction Type	Wood Frame
Lot Area	2,640 sqft
Lot Dimensions	88 ft deep x 30 ft wide
Garage Area	320 sqft
Porch	Porch
Porch Area	36 sqft
Patio Area	63 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	132S264695000002135
Street Address	2135 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 2135 WITH AN UNDIV SHARE IN COMMON AREA AS DES IN OR 2595 PG 485
Legal Range	26W
Legal Township	02S
Legal Section	13
Legal Subdivision	SANTA ROSA OAKS COND
Legal Unit	2135
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1003
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
Co-owner	Co-owner on Record
Mailing Address	2279 VALLEY RD, NAVARRE, FL 32566-8725
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2006 · Amount on Record
Deed Sale	May 1, 2006 · Amount on Record
Prior Sale	Nov 5, 2004 · Amount on Record
Deed Document Number	200623863
Deed Book / Page	2595 / 0485
Record Updated	Jun 8, 2026

October 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA ROSA FL
Property Address	2135 TOM ST, NAVARRE, FL 32566-3304
Document Number	0036731443
Book / Page	003673 / 001443
Instrument Date	Oct 5, 2017
Transaction Type	Mortgage
Record Updated	Nov 3, 2017
Title Company	LOAN MODIFICATION SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9378 POUDER LN NAVARRE FL 325662566, NAVARRE, FL 32566-2566

Mortgage

Document Number	0036731443
Date	Oct 25, 2017
Book Page	003673/001443
Instrument	44765

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

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	$2,238.00 (+5.37%)	$225,000 (+4.65%) Building $225,000	$225,000 (+4.65%) Building $225,000
2023	$2,124.00 (+7.11%)	$215,000 (+7.5%) Building $215,000	$215,000 (+7.5%) Building $215,000
2022	$1,983.00	$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 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