Santa Rosa County property record for 2155 Tom St, Navarre, FL 32566
| 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 | $225,000 (Sep 2026) |
| Tax Bill | $1,411 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-2S-26-4695-00000-2155 |
| Primary APN | 13-2S-26-4695-00000-2155 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Building Area | 1,400 sqft Living Area |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Roof Type | Flat |
| Roof Material | Asphalt |
| Lot Area | 3,450 sqft (0.079 acres) |
| Lot Dimensions | 115 ft deep x 30 ft wide |
| Garage Area | 320 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 36 sqft |
| Deck Area | 100 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2155 TOM ST |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-3304 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | SANTA ROSA OAKS CONDOMINIUM UNIT 2155 WITH AN UNDIVIDED SHARE IN COMMON AREA AS DES IN OR 3882 PG 561 |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 13 |
| Legal Subdivision | SANTA ROSA OAKS COND |
| Legal Lot Number | 2155 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 10828 |
Source: Santa Rosa County records, as of October 13, 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 | 2155 TOM ST, NAVARRE, FL 32566-3304 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Sep 17, 2026 | Warranty Deed, Transfer · VA Mortgage GUILD MORTGAGE COMPANY |
| Oct 21, 2019 | Deed, Transfer · Conventional Mortgage FIRST FEDERAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 17, 2026 · Amount on Record |
| Deed Sale | Sep 17, 2026 · Amount on Record |
| Prior Sale | Oct 21, 2019 · Amount on Record |
| Deed Document Number | 202647124 |
| Deed Book / Page | 4789 / 1599 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Sep 17, 2026 |
| Property Address | 2155 TOM ST, NAVARRE, FL 32566-3304 |
| Document Number | 0000047124 |
| Book / Page | 4789 / 1599 |
| Instrument Date | Sep 15, 2026 |
| Instrument | 202647124 |
| Transaction Type | Transfer |
| Record Updated | Oct 6, 2026 |
| Title Company | EXCEL TITLE CORPORATION, EXCEL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $159,075.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2155 TOM ST, NAVARRE, FL 32566-3304 |
| Document Number | 0000047125, |
|---|---|
| Date | Sep 17, 2026 |
| Instrument | 202647125 |
| Name | GUILD MORTGAGE COMPANY |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Oct 21, 2019 |
| Property Address | 2155 TOM ST, NAVARRE, FL 32566-3304 |
| Document Number | 0038820561 |
| Book / Page | 3882 / 0561 |
| Map Reference | MB 2289 PG 2079 |
| Instrument Date | Oct 16, 2019 |
| Instrument | 201947326 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | EMERALD COAST TTL INC GULF B |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,155.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 218 WAVA AVE, 218, NICEVILLE, FL 32578-1718 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2155 TOM ST, NAVARRE, FL 32566-3304 |
| Document Number | 0003882563 |
|---|---|
| Date | Oct 21, 2019 |
| Instrument | 3882/563 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
Source: Santa Rosa County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,411.00 (+4.13%) | $148,220 (+2.9%) | $225,000 (-) Building $225,000 |
| 2024 | $1,355.00 (+3.04%) Homeowner's exemption | $144,043 (+3%) | $225,000 (+4.65%) Building $225,000 |
| 2023 | $1,315.00 (+3.38%) Homeowner's exemption | $139,848 (+3%) | $215,000 (+7.5%) Building $215,000 |
| 2022 | $1,272.00 Homeowner's exemption | $135,775 | $200,000 Building $200,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
| 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.
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 |
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