2176 Punham Ct, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2176 Punham Ct, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,181 sqft · built 2004
Lot Size	0.223 acres (9,714 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Jul 2015)
Tax Bill	$232 (2024)
Deeds & Mortgages	Jun 2023 Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-2S-26-1653-00F00-0520`

Property Details

APN / Parcel Number

Primary APN	`16-2S-26-1653-00F00-0520`
Alternative APN	`S26216165300F000520`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,181 sqft Living Area
Gross Area	2,959 sqft
1st Floor Area	2,181 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	9,714 sqft (0.223 acres)
Lot Dimensions	130 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	358 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2176 PUNHAM CT
City	NAVARRE
State	FL
Zip	32566-4164
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	HAMPTON RIDGE ESTATES 1ST ADD LOT 52 BLK F AS DES IN OR 3441 PG 997
Legal Range	26W
Legal Township	2S
Legal Section	16
Legal Subdivision	HAMPTON RIDGE EST
Legal Block	F
Legal Lot Number	52
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	3
Census Block	3005
Census Tract	10827

Owner

2176 Punham Ct is owned and occupied by two individuals who bought it in July 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	2176 PUNHAM CT, NAVARRE, FL 32566-4164
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2023	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Oct 18, 2021	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jun 15, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2015 · Amount on File
Deed Sale	Jul 1, 2015 · Amount on File
Prior Sale	Jun 9, 2004 · Amount on File
Deed Document Number	201523891
Deed Book / Page	3441 / 997
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2176 PUNHAM CT, NAVARRE, FL 32566-4164
Transaction Type	Mortgage
Record Updated	Aug 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2176 PUNHAM CT, NAVARRE, FL 32566-4164

Mortgage

Document Number	0044090001
Date	Jun 26, 2023
Book Page	4409/1
Instrument	202328366

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2176 PUNHAM CT, NAVARRE, FL 32566-4164
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041941098
Date	Oct 18, 2021
Book Page	4194/1098
Instrument	202169499

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2176 PUNHAM CT, NAVARRE, FL 32566-4164
Document Number	0039651140
Instrument Date	Jun 15, 2020
Transaction Type	Mortgage
Record Updated	Aug 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2176 PUNHAM CT NAVARRE FL 325664164, NAVARRE, FL 32566-4164

Mortgage

Document Number	0039651140
Date	Jun 19, 2020
Book Page	003965/001140
Instrument	29964

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 18, 2050

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		$214,274 (+2.9%)	$321,438 (-1.05%) Land $50,000 Building $271,438
2024	$232.00 (-88.98%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$208,235 (+3%)	$324,838 (+0.09%) Land $48,000 Building $276,838
2023	$2,105.00 (+2.88%) Homeowner's exemption	$202,170 (+3%)	$324,557 (+7.91%) Land $38,000 Building $286,557
2022	$2,046.00 Homeowner's exemption	$196,282	$300,760 Land $35,000 Building $265,760

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2176 Punham Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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 115 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	115 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2020 · Hurricane Sally

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

Wildfire risk around 2176 Punham Ct 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 94% of the US · lower than 95% 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.

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 321 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
AT&T Fiber	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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