2155 Paloma St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2155 Paloma St, Navarre, FL 32566

Property Summary

Property Type	Mobile Home
Details	2 bd · 2 ba · 924 sqft · built 1997
Lot Size	0.156 acres (6,795 sqft)
Owner	2 Individual Names on Record
Last Sale	$399,000 (Jan 2026)
Tax Bill	$1,029 (2024)
Deeds & Mortgages	Sep 2025 Construction Loan Jan 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-2S-26-0780-0WW00-0470`

Property Details

APN / Parcel Number

Primary APN	`21-2S-26-0780-0WW00-0470`
Alternative APN	`S2622107800WW000470`

Interior

Bedrooms	2 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

Exterior Amenities

Porch	Open Porch
Porch Area	184 sqft
Deck Area	Deck Area
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2155 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 C: 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 711.65 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 April 6, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	6147 FALLS RIDGE TRL, SHERRILLS FORD, NC 28673-6003
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2025	Deed of Trust, Mortgage · Construction Mortgage MIDSOUTH BANK
Jan 28, 2026	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2026 · Amount on Record
Deed Sale	Jan 28, 2026 · Amount on Record
Prior Sale	May 6, 2025 · Amount on Record
Deed Document Number	20264390
Deed Book / Page	4702 / 1767
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2155 PALOMA ST, NAVARRE, FL 32566-1243
Transaction Type	Mortgage
Record Updated	Feb 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046560374
Date	Sep 9, 2025
Book Page	4656/374
Instrument	202541762

Lender

Name	MIDSOUTH BANK
Type	Bank
Address	FORT WALTON BEACH, FL 32547

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jan 28, 2026
Property Address	2155 PALOMA ST, NAVARRE, FL 32566-1243
Document Number	0047021767
Book / Page	4702 / 1767
Map Reference	MB A PG 70
Instrument Date	Jan 23, 2026
Instrument	202604390
Transaction Type	Transfer
Record Updated	Feb 12, 2026
Title Company	RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,793.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6147 FALLS RIDGE TRL, SHERRILLS FORD, NC 28673-6003

Mortgage

Document Number	0047021769
Date	Jan 28, 2026
Instrument	4702/1769

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

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		$79,654 (-12.71%) Land $34,200 Building $45,454	$79,654 (-12.71%) Land $34,200 Building $45,454
2024	$1,029.00 (+7.19%)	$91,250 (+7.81%) Land $47,025 Building $44,225	$91,250 (+7.81%) Land $47,025 Building $44,225
2023	$960.00 (+10.09%)	$84,641 (+13.7%) Land $42,750 Building $41,891	$84,641 (+13.7%) Land $42,750 Building $41,891
2022	$872.00	$74,442	$74,442 Land $38,475 Building $35,967

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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