2149 Paloma St, Navarre, FL 32566 Property Records

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

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 924 sqft · built 1997
Lot Size	0.156 acres (6,795 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (Apr 2026)
Tax Bill	$1,027 (2024)
Deeds & Mortgages	Jun 2025 Construction Loan Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-2S-26-0780-0WW00-1290`

Property Details

APN / Parcel Number

Primary APN	`21-2S-26-0780-0WW00-1290`
Alternative APN	`S2622107800WW001290`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	924 sqft Living Area
Gross Area	1,108 sqft
1st Floor Area	924 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,795 sqft (0.156 acres)
Lot Dimensions	136 ft deep x 50 ft wide
View / Lot	Mobile Home
Porch	Open Porch
Porch Area	184 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2149 PALOMA ST
City	NAVARRE
State	FL
Zip	32566-1243
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	R2M
Legal Description	NEWLY DES PER REQ/SURV 2025 PARCEL A: CRESCENT SHORES PORT OF LOT WW (PB A PG 70) DES AS FOLWS: COM AT SW CORN OF LOT WW , THN N ALNG SAID W LT LI 611.65 FT TO POB THN CONT 50 FT , THN E 136 FT TO WLY R/W LI OF PALOMA ST THN S 50 FT , THN W 136 FT
Legal Range	26W
Legal Township	2S
Legal Section	21
Legal Subdivision	CRESCENT SHORES
Legal Tract	6
Legal Block	WW
Legal Lot Number	WW
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1000
Census Tract	10827

Owner

Source: Santa Rosa County records, as of May 21, 2026

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	2149 PALOMA ST, NAVARRE, FL 32566-1243
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2025	Deed of Trust, Mortgage · Construction Mortgage CENTENNIAL BANK
Apr 28, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR
Apr 28, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2026 · Amount on Record
Deed Sale	Apr 28, 2026 · Amount on Record
Prior Sale	May 6, 2025 · Amount on Record
Deed Document Number	202621175
Deed Book / Page	4737 / 1081
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2149 PALOMA ST, NAVARRE, FL 32566-1243
Transaction Type	Mortgage
Record Updated	May 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8301 E BAY BLVD, NAVARRE, FL 32566-6312

Mortgage

Document Number	0046320935
Date	Jun 30, 2025
Book Page	4632/935
Instrument	202529824

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	NAVARRE, FL 32566

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 28, 2026
Property Address	2149 PALOMA ST, NAVARRE, FL 32566-1243
Document Number	0000021175
Book / Page	4737 / 1081
Instrument Date	Apr 22, 2026
Instrument	2026.21175
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	RELIABLE LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$254,520.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2149 PALOMA ST, NAVARRE, FL 32566-1243

Mortgage

Document Number	0000021176,
Date	Apr 28, 2026
Instrument	2026..21176

Lender

Name	MORTGAGE RESEARCH CTR

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 28, 2026
Property Address	2149 PALOMA ST, NAVARRE, FL 32566-1243
Document Number	0047371081
Book / Page	4737 / 1081
Instrument Date	Apr 22, 2026
Instrument	202621175
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	RELIABLE TITLE, RELIABLE LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$254,520.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2149 PALOMA ST, NAVARRE, FL 32566-1243

Mortgage

Document Number	0000021176,
Date	Apr 28, 2026
Instrument	202621176

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

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		$79,653 (-12.71%) Land $34,200 Building $45,453	$79,653 (-12.71%) Land $34,200 Building $45,453
2024	$1,027.00 (+7.2%)	$91,249 (+7.81%) Land $47,025 Building $44,224	$91,249 (+7.81%) Land $47,025 Building $44,224
2023	$958.00 (+10.11%)	$84,640 (+13.7%) Land $42,750 Building $41,890	$84,640 (+13.7%) Land $42,750 Building $41,890
2022	$870.00	$74,441	$74,441 Land $38,475 Building $35,966

Assessed value is set for property tax purposes, not a market price estimate; it is 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 248 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	271 units insured incl. 23 condo units
Nearby Flood Claims	31 (1995–2020)
Claims Outside the SFHA	7 of 31
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 15 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 2 claims Hurricane Frances, Sep 2004 · 10 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	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within 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 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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