Santa Rosa County property record for 2170 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 | $225,000 (Jan 2026) |
| Tax Bill | $2,479 (2024) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage May 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-2S-26-4695-00000-2170 |
| Primary APN | 13-2S-26-4695-00000-2170 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,400 sqft Adjusted Area |
| 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 | 132S264695000002170 |
|---|---|
| Street Address | 2170 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 2170 & WITH AN UNDIVIDED SHARE IN COMMON AREA AS DES IN OR 3732 PG 420 |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 13 |
| Legal Subdivision | SANTA ROSA OAKS COND |
| Legal Unit | 2170 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 10828 |
2170 Tom St, a condominium, is owned by an individual who bought it in January 2026.
Source: Santa Rosa County records, as of February 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 512 EDSON ST, LYNDEN, WA 98264-1312 |
| 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 |
|---|---|
| Jan 28, 2026 | Warranty Deed, Transfer DAVID AND KATHY BUYS LIVING TRUST |
| May 30, 2018 | Warranty Deed, Transfer · VA Mortgage UNIVERSITY LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 28, 2026 · Amount on File |
| Deed Sale | Jan 28, 2026 · Amount on File |
| Prior Sale | May 29, 2018 · Amount on File |
| Deed Document Number | 202604278 |
| Deed Book / Page | 4702 / 1316 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jan 28, 2026 |
| Property Address | 2170 TOM ST, NAVARRE, FL 32566-3303 |
| Document Number | 0047021316 |
| Book / Page | 4702 / 1316 |
| Map Reference | MB 2289 PG 2079 |
| Instrument Date | Jan 26, 2026 |
| Instrument | 202604278 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2026 |
| Title Company | ALLURE TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,575.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1119 W CHASE ST, PENSACOLA, FL 32502-3715 |
| Name | Verified Name |
|---|---|
| Address | 512 EDSON ST, LYNDEN, WA 98264-1312 |
| Document Number | 0047021318 |
|---|---|
| Date | Jan 28, 2026 |
| Instrument | 4702/1318 |
| Name | DAVID AND KATHY BUYS LIVING TRUST |
|---|---|
| Type | Private Party |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | May 30, 2018 |
| Property Address | 2170 TOM ST, NAVARRE, FL 32566-3303 |
| Document Number | 0037320420 |
| Book / Page | 003732 / 000420 |
| Instrument Date | May 25, 2018 |
| Instrument | 21891 |
| Transaction Type | Transfer |
| Record Updated | Aug 7, 2018 |
| Title Company | RELIABLE LAND TITLE CORPORATION |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,092.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2170 TONI ST NAVARRE FL 32566, NAVARRE, FL 32566 |
| Document Number | 37320421 |
|---|---|
| Date | May 30, 2018 |
| Book Page | 003732/000421 |
| Instrument | 21892 |
| Name | UNIVERSITY LNDG |
|---|---|
| Address | SOUTHFIELD, MI 48034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 29, 2048 |
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 | $2,479.00 (+5.62%) | $225,000 (+4.65%) Building $225,000 | $225,000 (+4.65%) Building $225,000 |
| 2023 | $2,347.00 (+7.37%) | $215,000 (+7.5%) Building $215,000 | $215,000 (+7.5%) Building $215,000 |
| 2022 | $2,186.00 | $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 2170 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 2170 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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