2144 Pepper Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2144 Pepper Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,263 sqft · built 1999
Lot Size	0.622 acres (27,094 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,516 (2024)
Deeds & Mortgages	Sep 2021 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-2S-26-1920-23900-0300`

Property Details

APN / Parcel Number

Primary APN	`18-2S-26-1920-23900-0300`
Alternative APN	`S262181920239000300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,263 sqft Living Area
Gross Area	3,297 sqft
1st Floor Area	2,263 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2004
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	27,094 sqft (0.622 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	76 sqft
Patio Area	534 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2144 PEPPER DR
City	NAVARRE
State	FL
Zip	32566-7708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HOLLEY BY THE SEA LOT 30 BLK 239 AS DES IN OR 3826 PG 161 & AS DES IN OR 4177 PG 129
Legal Range	26W
Legal Township	2S
Legal Section	18
Legal Subdivision	HOLLEY SEA/1ST AMD
Legal Block	239
Legal Lot Number	30
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	2
Census Block	2033
Census Tract	10821

Owner

2144 Pepper Dr is owned and occupied by two individuals who acquired it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	2144 PEPPER DR, NAVARRE, FL 32566-7708
Occupancy	Owner Occupied
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
Sep 13, 2021	Intrafamily Transfer, Transfer · VA Mortgage CALIBER HOME LOANS INC
May 3, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2021
Deed Sale	Sep 13, 2021
Prior Sale	May 3, 2019 · Amount on File
Deed Document Number	202161083
Deed Book / Page	4177 / 129
Prior Transfer Date	Sep 1, 2021
Prior Transfer Doc	0041770129
Record Updated	Sep 20, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 13, 2021
Property Address	2144 PEPPER DR, NAVARRE, FL 32566-7708
Document Number	0041770129
Book / Page	4177 / 129
Map Reference	MB B PG 155
Instrument Date	Sep 1, 2021
Instrument	202161083
Transaction Type	Transfer
Record Updated	Oct 15, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2144 PEPPER DR, NAVARRE, FL 32566-7708

Mortgage

Document Number	4177132
Date	Sep 13, 2021
Instrument	4177/132

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	357 Months
Due	Jun 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 3, 2019
Property Address	2144 PEPPER DR, NAVARRE, FL 32566-7708
Document Number	0038260161
Book / Page	003826 / 000161
Instrument Date	Apr 30, 2019
Instrument	18160
Transaction Type	Transfer
Record Updated	Jun 27, 2019
Title Company	MEAD LAW AND TITLE, MEAD LAW & TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,786.40
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2144 PEPPER DR NAVARRE FL 325667708, NAVARRE, FL 32566-7708

Mortgage

Document Number	38260163
Date	May 3, 2019
Book Page	003826/000163
Instrument	18161

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 2, 2049

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		$250,496 (+2.9%)	$360,862 (+2.29%) Land $75,000 Building $285,862
2024	$2,516.00 (+2.32%) Homeowner's exemption	$243,436 (+3%)	$352,798 (+4.31%) Land $75,000 Building $277,798
2023	$2,459.00 (+2.76%) Homeowner's exemption	$236,346 (+3%)	$338,229 (+7.93%) Land $65,000 Building $273,229
2022	$2,393.00 Homeowner's exemption	$229,462	$313,373 Land $50,000 Building $263,373

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2144 Pepper Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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 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

Wildfire risk around 2144 Pepper Dr is moderate, ranking above 51% of the US, with a 0.1% annual chance of 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.

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