2138 Tom St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2138 Tom St, Navarre, FL 32566

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,400 sqft · built 2004
Lot Size	0.079 acres (3,450 sqft)
Owner	2 Individual Names on File
Last Sale	$234,900 (Jul 2021)
Tax Bill	$2,724 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Jun 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`13-2S-26-4695-00000-2138`

Property Details

APN / Parcel Number

Primary APN	`13-2S-26-4695-00000-2138`
Alternative APN	`S262134695000002138`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
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	Flat
Roof Material	Asphalt
Lot Area	3,450 sqft (0.079 acres)
Lot Dimensions	115 ft deep x 30 ft wide
Garage Area	320 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	36 sqft
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2138 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 2138 WITH AN UNDIVIDED SHARE IN COMMON AREA AS DES IN OR 4156 PG 1260
Legal Range	26W
Legal Township	2S
Legal Section	13
Legal Subdivision	SANTA ROSA OAKS COND
Legal Lot Number	2138
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1004
Census Tract	10828

Owner

2138 Tom St, a condominium, is owned by two individuals who bought it in July 2021.

Source: Santa Rosa County records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	505 BEAVER CREEK BOAT RAMP RD, GLASGOW, KY 42141-7771
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

Date	Document
Jul 30, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST GUARANTY MORTGAGE CORP
Jun 18, 2019	Warranty Deed, Transfer BURKE LAW AND TITLE LLC, BURKE LAW & TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2021 · Amount on File
Deed Sale	Jul 30, 2021 · Amount on File
Prior Sale	Jun 18, 2019 · Amount on File
Deed Document Number	202151466
Deed Book / Page	4156 / 1260
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 30, 2021
Property Address	2138 TOM ST, NAVARRE, FL 32566-3303
Document Number	0041561260
Book / Page	4156 / 1260
Map Reference	MB 9 PG 64
Instrument Date	Jul 28, 2021
Instrument	202151466
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,644.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2064 BELLA BREEZE CT, 2064, GULF BREEZE, FL 32566-3016

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 BEAVER CREEK BOAT RAMP RD, NAVARRE, FL 32566

Mortgage

Document Number	41561262
Date	Jul 30, 2021
Instrument	4156/1262

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 18, 2019
Property Address	2138 TOM ST, NAVARRE, FL 32566-3303
Document Number	0038410262
Book / Page	003841 / 000262
Instrument Date	Jun 14, 2019
Instrument	25991
Transaction Type	Transfer
Record Updated	Aug 30, 2019
Title Company	BURKE LAW AND TITLE LLC, BURKE LAW & TITLE LLC

Transaction

Amount	Amount on Record
Tax	$1,141.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2138 TOM ST NAVARRE FL 325663303, NAVARRE, FL 32566-3303

Tax Assessment & Valuation

The 2025 property tax bill for 2138 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 2138 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 2138 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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