2140 Tom St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2140 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 Company Names on Record
Last Sale	$161,000 (Dec 2019)
Tax Bill	$2,479 (2024)
Deeds & Mortgages	Nov 2022 Transfer Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-2S-26-4695-00000-2140`

Property Details

APN / Parcel Number

Primary APN	`13-2S-26-4695-00000-2140`
Alternative APN	`S262134695000002140`

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	2140 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 2140 WITH AN UNDIVIDED SHARE IN COMMON AREA AS DES IN OR 3897 PG 1854 & IN TRUST IN OR 4341 PG 1402
Legal Range	26W
Legal Township	2S
Legal Section	13
Legal Subdivision	SANTA ROSA OAKS COND
Legal Lot Number	214
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1004
Census Tract	10828

Owner

Source: Santa Rosa County records, as of December 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	4265 COPPER RD, MILTON, FL 32583-9442
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2022	Intrafamily Transfer, Transfer ATTORNEY
Dec 9, 2019	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Apr 25, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2019 · Amount on Record
Deed Sale	Dec 9, 2019 · Amount on Record
Prior Sale	Apr 25, 2019 · Amount on Record
Deed Document Number	201955330
Deed Book / Page	3897 / 1854
Last Transfer Date	Nov 2, 2022
Transfer Doc	0043411402
Record Updated	Jun 8, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 2, 2022
Property Address	2140 TOM ST, NAVARRE, FL 32566-3303
Document Number	0043411402
Book / Page	4341 / 1402
Map Reference	MB 2289 PG 2079
Instrument Date	Nov 2, 2022
Instrument	202262027
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4265 COPPER RD, 4265, MILTON, FL 32583-9442

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	4265 COPPER RD, MILTON, FL 32583-9442

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 9, 2019
Property Address	2140 TOM ST, NAVARRE, FL 32566-3303
Document Number	0038971854
Book / Page	3897 / 1854
Map Reference	MB 9 PG 64
Instrument Date	Dec 2, 2019
Instrument	201955330
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,127.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 MAPLEWOOD DR, 200, GOLDSBORO, NC 27534-7601

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6945 FLINTWOOD ST, NAVARRE, FL 32566-6600

Mortgage

Document Number	0038971856
Date	Dec 9, 2019
Instrument	3897/1856

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jan 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 25, 2019
Property Address	2140 TOM ST, NAVARRE, FL 32566-3303
Document Number	0038222087
Book / Page	003822 / 002087
Instrument Date	Mar 22, 2019
Instrument	16572
Transaction Type	Transfer
Record Updated	May 29, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$296.80
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 MAPLEWOOD DR GOLDSBORO NC 275347601, GOLDSBORO, NC 27534-7601

Tax Assessment & Valuation

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		$225,000 (-) Building $225,000	$225,000 (-) Building $225,000
2024	$2,479.00 (+5.62%)	$225,000 (+4.65%) Building $225,000	$225,000 (+4.65%) Building $225,000
2023	$2,347.00 (+7.37%)	$215,000 (+7.5%) Building $215,000	$215,000 (+7.5%) Building $215,000
2022	$2,186.00	$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 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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