2144 Tom St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2144 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	Individual Name on Record
Last Sale	$265,000 (May 2022)
Tax Bill	$1,815 (2024)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-2S-26-4695-00000-2144`

Property Details

APN / Parcel Number

Primary APN	`13-2S-26-4695-00000-2144`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,400 sqft Adjusted Area
Gross Area	1,856 sqft

Exterior

Year Built	Built 2004
Exterior Material	Vinyl
Construction Type	Wood Frame
Lot Area	3,450 sqft
Lot Dimensions	115 ft deep x 30 ft wide
Garage Area	320 sqft

Exterior Amenities

Porch	Porch
Porch Area	36 sqft
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	132S264695000002144
Street Address	2144 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 2144 WITH AN UNDIVIDED SHARE IN COMMON AREA AS DES IN OR 4284 PG 506
Legal Range	26W
Legal Township	02S
Legal Section	13
Legal Subdivision	SANTA ROSA OAKS COND
Legal Unit	2144
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 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
Mailing Address	2144 TOM ST, NAVARRE, FL 32566-3303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2022 · Amount on Record
Deed Sale	May 16, 2022 · Amount on Record
Prior Sale	Sep 3, 2004 · Amount on Record
Deed Document Number	202229533
Deed Book / Page	4284 / 506
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 16, 2022
Property Address	2144 TOM ST, NAVARRE, FL 32566-3303
Document Number	0042840506
Book / Page	4284 / 506
Map Reference	MB 9 PG 64
Instrument Date	May 3, 2022
Instrument	202229533
Transaction Type	Transfer
Record Updated	Jul 4, 2022
Title Company	NOT AVAILABLE, BRADLEY TITLE LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4217 PICO NORTE LN NE, 4217, RIO RANCHO, NM 87124-6393

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2157 BELLEMEADE CIR, NAVARRE, FL 32566-2845

Mortgage

Document Number	0004284509
Date	May 16, 2022
Instrument	4284/509

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

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

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	$1,815.00 (+2.6%) Homeowner's exemption	$184,519 (+3%)	$225,000 (+4.65%) Building $225,000
2023	$1,769.00 (-10.79%)	$179,145 (-10.43%)	$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 66% of the US · lower than 91% 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