2149 Ortega St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2149 Ortega St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,281 sqft · built 2003
Lot Size	0.364 acres (15,856 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Jul 2020)
Tax Bill	$3,274 (2024)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Apr 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`16-2S-26-1653-00D00-0160`

Property Details

APN / Parcel Number

Primary APN	`16-2S-26-1653-00D00-0160`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,281 sqft Heated Area
Gross Area	3,154 sqft
1st Floor Area	2,722 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2008
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	15,856 sqft (0.364 acres)
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	340 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	162S26165300D000160
Street Address	2149 ORTEGA ST
City	NAVARRE
State	FL
Zip	32566-4118
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HAMPTON RIDGE ESTATES LOT 16 BLK D AS DES IN OR 3973 PG 1515
Legal Range	26W
Legal Township	02S
Legal Section	16
Legal Subdivision	HAMPTON RIDGE ESTATES
Legal Block	D
Legal Lot Number	16
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	3
Census Block	3000
Census Tract	10827

Owner

2149 Ortega St is owned and occupied by two individuals who bought it in July 2020.

Source: Santa Rosa County records, as of October 27, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2149 ORTEGA ST, NAVARRE, FL 32566-4118
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2020	Warranty Deed, Transfer · VA Mortgage PRIVATE INDIVIDUAL
Apr 19, 2017	Warranty Deed, Transfer OLD SOUTH LAND TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2020 · Amount on File
Deed Sale	Jul 8, 2020 · Amount on File
Prior Sale	Apr 19, 2017 · Amount on File
Deed Document Number	202033655
Deed Book / Page	3973 / 1515
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 8, 2020
Property Address	2149 ORTEGA ST, NAVARRE, FL 32566-4118
Document Number	0039731515
Book / Page	003973 / 001515
Instrument Date	Jul 1, 2020
Instrument	33655
Transaction Type	Transfer
Record Updated	Nov 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10334 BOGGY MOSS DR RIVERVIEW FL 335789502, RIVERVIEW, FL 33578-9502

Mortgage

Document Number	39731516
Date	Jul 8, 2020
Book Page	003973/001516
Instrument	33656

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	PENSACOLA, FL 32501

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 7, 2050

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 19, 2017
Property Address	2149 ORTEGA ST, NAVARRE, FL 32566-4118
Document Number	0036160650
Book / Page	003616 / 000650
Instrument Date	Apr 13, 2017
Instrument	15091
Transaction Type	Transfer
Record Updated	May 9, 2017
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount on Record
Tax	$1,680.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2149 ORTEGA ST NAVARRE FL 325664118, NAVARRE, FL 32566-4118

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	$3,274.00 (+2.41%) Homeowner's exemption	$304,454 (+3%)	$351,453 (-0.11%) Land $48,000 Building $303,453
2023	$3,197.00 (+2.57%) Homeowner's exemption	$295,586 (+3%)	$351,846 (+7.85%) Land $38,000 Building $313,846
2022	$3,117.00 Homeowner's exemption	$286,977	$326,226 Land $35,000 Building $291,226

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

Flood

FEMA maps place 2149 Ortega St 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 115 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	115 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
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 2149 Ortega St is moderate, ranking above 45% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.05% 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 321 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
AT&T Fiber	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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