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2145 Pepper Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2145 Pepper Dr, Navarre, FL 32566

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,728 sqft · built 1994
Lot Size0.54 acres (23,522 sqft)
Owner2 Company Names on Record
Last Sale$569,000 (Jun 2026)
Tax Bill$2,440 (2025)
Deeds & MortgagesJun 2026 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN18-2S-26-1920-23800-0120

Property Details

APN / Parcel Number

Primary APN18-2S-26-1920-23800-0120
Alternative APN
  • S262181920238000120

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,728 sqft Living Area
Gross Area3,308 sqft
1st Floor Area2,728 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1994
Effective Year BuiltEffective 1994
Exterior MaterialWood
Construction TypeWood
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialWood Shingle
Lot Area23,522 sqft (0.54 acres)
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchFinished/Open Porch
Porch Area180 sqft
Shed1 Shed
Shed Area1 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address2145 PEPPER DR
CityNAVARRE
StateFL
Zip32566-7709
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionHOLLEY BY THE SEA LOT 12 BLK 238 AS DES IN OR 2336 PG 1426
Legal Range26W
Legal Township2S
Legal Section18
Legal SubdivisionHOLLEY SEA/1ST AMD
Legal Block238
Legal Lot Number12
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group2
Census Block2032
Census Tract10821

Owner

Source: Santa Rosa County records, as of July 20, 2026

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

Owner of Record2 Company Names on Record
Mailing Address2145 PEPPER DR, NAVARRE, FL 32566-7709
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Family Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 9, 2026 · Amount on Record
Deed SaleJun 9, 2026 · Amount on Record
Prior SaleAug 5, 2004 · Amount on Record
Deed Document Number202629128
Deed Book / Page4754 / 249
Record UpdatedOct 29, 2026

June 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateJun 9, 2026
Property Address2145 PEPPER DR, NAVARRE, FL 32566-7709
Document Number0000029128
Book / Page4754 / 249
Instrument DateJun 3, 2026
Instrument202629128
Transaction TypeTransfer
Record UpdatedSep 21, 2026
Title CompanyFOUNDATION TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$402,283.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address2145 PEPPER DR, NAVARRE, FL 32566-7709

Mortgage

Document Number0000029129,
DateJun 9, 2026
Instrument202629129
Lender
NameGUARANTEED RATE
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 1, 2056
Interest
Rate TypeFixed Rate
Initial TypeFixed Rate
Max Rate-1%

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,440.00 (+3.83%) Homeowner's exemption$232,277 (+2.9%)$392,685 (+5.54%) Land $75,000 Building $317,685
2024$2,350.00 (+2.44%) Homeowner's exemption$225,731 (+3%)$372,087 (+4.54%) Land $75,000 Building $297,087
2023$2,294.00 (+2.92%) Homeowner's exemption$219,156 (+3%)$355,926 (+7.8%) Land $65,000 Building $290,926
2022$2,229.00 Homeowner's exemption$212,773$330,182 Land $50,000 Building $280,182

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 162 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies162 in force
Nearby Flood Claims1 (2020)
Most Recent ClaimSep 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 51% of the US · lower than 78% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 SystemHOLLEY-NAVARRE WATER SYSTEM
public/private · serves 47,793 people · EPA ID FL1570349
Water SourceGroundwater
Last State InspectionOct 2025
Lead6 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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