Santa Rosa County property record for 2158 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 File |
| Last Sale | $150,000 (Oct 2021) |
| Tax Bill | $2,130 (2024) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage Nov 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-2S-26-4695-00000-2158 |
| Primary APN | 13-2S-26-4695-00000-2158 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,400 sqft Adjusted Area |
| Gross Area | 1,856 sqft |
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood Frame |
| Lot Area | 3,450 sqft |
| Lot Dimensions | 115 ft deep x 30 ft wide |
| Garage Area | 320 sqft |
| Porch | Porch |
| Porch Area | 36 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 132S264695000002158 |
|---|---|
| Street Address | 2158 TOM ST |
| City | NAVARRE |
| State | FL |
| Zip | 32566-3303 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | SANTA ROSA OAKS CONDOMINIUM UNIT 2158 & WTH AN UNDIV INT IN COMMON AREA AS DES IN OR 4192 PG 1787 |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 13 |
| Legal Subdivision | SANTA ROSA OAKS COND |
| Legal Unit | 2158 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 10828 |
2158 Tom St, a condominium, is owned and occupied by an individual who bought it in October 2021.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2158 TOM ST # 2158, 2158, NAVARRE, FL 32566-3303 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 13, 2021 | Warranty Deed, Transfer · VA Mortgage PRIMELENDING |
| Nov 2, 2017 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 13, 2021 · Amount on File |
| Deed Sale | Oct 13, 2021 · Amount on File |
| Prior Sale | May 1, 2015 · Amount on File |
| Deed Document Number | 202168688 |
| Deed Book / Page | 4192 / 1787 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Oct 13, 2021 |
| Property Address | 2158 TOM ST, NAVARRE, FL 32566-3303 |
| Document Number | 0041921787 |
| Book / Page | 4192 / 1787 |
| Map Reference | MB 9 PG 64 |
| Instrument Date | Oct 1, 2021 |
| Instrument | 202168688 |
| Transaction Type | Transfer |
| Record Updated | Nov 8, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,050.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 444 CYPRESS ST, 444, ALTAMONTE SPRINGS, FL 32714-2456 |
| Name | Verified Name |
|---|---|
| Address | 2158 TOM ST, NAVARRE, FL 32566-3303 |
| Document Number | 41921790 |
|---|---|
| Date | Oct 13, 2021 |
| Instrument | 4192/1790 |
| Name | PRIMELENDING |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2158 TOM ST, NAVARRE, FL 32566-3303 |
| Document Number | 0036780580 |
| Book / Page | 003678 / 000580 |
| Instrument Date | Nov 2, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2017 |
| Title Company | NAVY FEDERAL TITLE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 2158 TOM ST NAVARRE FL 325663303, NAVARRE, FL 32566-3303 |
| Document Number | 0036780580 |
|---|---|
| Date | Nov 14, 2017 |
| Book Page | 003678/000580 |
| Instrument | 47285 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 13, 2047 |
Source: Santa Rosa County assessment roll, as of July 1, 2024
| 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 |
|---|---|---|---|
| 2024 | $2,130.00 (+2.4%) Homeowner's exemption | $212,180 (+3%) | $225,000 (+4.65%) Building $225,000 |
| 2023 | $2,080.00 (+2.82%) Homeowner's exemption | $206,000 (+3%) | $215,000 (+7.5%) Building $215,000 |
| 2022 | $2,023.00 Homeowner's exemption | $200,000 | $200,000 Building $200,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2158 Tom St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2014.
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 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.
Wildfire risk around 2158 Tom St is low, with a 0.02% annual chance of wildfire.
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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