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2178 Panhandle Trl, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2178 Panhandle Trl, Navarre, FL 32566

Property Summary

Property TypeMobile Home
Details4 bd · 3 ba · 2,124 sqft · built 1996
Lot Size1.09 acres (47,785 sqft)
OwnerIndividual Name on File
Last Sale$143,500 (Sep 2020)
Tax Bill$1,616 (2024)
Deeds & MortgagesSep 2020 Sale & Mortgage
Nov 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN15-2S-26-0000-02900-0000

Property Details

APN / Parcel Number

Primary APN15-2S-26-0000-02900-0000
Alternative APN
  • S262150000029000000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,124 sqft Living Area
1st Floor Area2,124 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1996
Effective Year BuiltEffective 1996
Architectural StyleMobile Home
Exterior MaterialAluminum/Vinyl
Construction TypeWood
Foundation TypeNo Foundation
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area47,785 sqft (1.09 acres)
Lot Dimensions462 ft deep x 70 ft wide
View / LotMobile Home
Garage TypeCarport
CarportCarport
Deck Area1 sqft
Shed1 Shed
Shed Area1 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address2178 PANHANDLE TRL
CityNAVARRE
StateFL
Zip32566-1149
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Local Zoning CodeR1M
Legal Description*DESCRIPTION UPDATE FOR 2020* COMMENCE AT THE NORTHWEST CORNER OF THE SOUTHEAST QUARTER OF THE SOUTHEAST QUARTER OF SECTION 15, TOWNSHIP 2 SOUTH, RANGE 26 WEST BEING THE INTERSECTION OF QUAIL ROOST DR & PANHANDLE TRL; THENCE SOUTHERLY ALONG C/L OF PA
Legal Range26W
Legal Township2S
Legal Section15
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group2
Census Block2011
Census Tract10827

Owner

2178 Panhandle Trl, a mobile home, is owned and occupied by an individual who bought it in September 2020.

Source: Santa Rosa County records, as of December 8, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on File
Mailing Address2178 PANHANDLE TRL, NAVARRE, FL 32566-1149
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 22, 2020Warranty Deed, Transfer · Conventional Mortgage
PRIMELENDING
Nov 25, 2019Warranty Deed, Transfer · FHA Mortgage
CENTENNIAL BANK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 22, 2020 · Amount on File
Deed SaleSep 22, 2020 · Amount on File
Prior SaleNov 25, 2019 · Amount on File
Deed Document Number202048126
Deed Book / Page4004 / 1459
Prior Transfer DateSep 21, 2016
Prior Transfer Doc0035590830
Record UpdatedJun 8, 2026

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateSep 22, 2020
Property Address2178 PANHANDLE TRL, NAVARRE, FL 32566-1149
Document Number0040041459
Book / Page4004 / 1459
Instrument DateSep 8, 2020
Instrument202048126
Transaction TypeTransfer
Record UpdatedDec 14, 2021
Title CompanyRELIABLE LAND TITLE CORP

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,004.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4329 68TH ST, 4329, FRANKSVILLE, WI 53126-9609

Transferred To (Grantee/Buyer)

NameVerified Name
Address3536 CROWDUN DR, SAINT LOUIS, MO 63129-2302

Mortgage

Document Number0040041461
DateSep 22, 2020
Instrument4004/1461
Lender
NamePRIMELENDING
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term181 Months
DueOct 1, 2035

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateNov 25, 2019
Property Address2178 PANHANDLE TRL, NAVARRE, FL 32566-1149
Document Number0038930130
Book / Page3893 / 0130
Instrument DateNov 21, 2019
Instrument201953008
Transaction TypeTransfer
Record UpdatedDec 14, 2021
Title CompanyRELIABLE LAND TITLE CORP

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$888.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2516 WATER OAK CIR, 2516, NAVARRE, FL 32566-2404

Transferred To (Grantee/Buyer)

NameVerified Name
Address2178 PANHANDLE TRL, NAVARRE, FL 32566-1149

Mortgage

Document Number0038930131
DateNov 25, 2019
Instrument3893/0131
Lender
NameCENTENNIAL BANK
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2049

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$146,266 (+7.85%) Land $48,300 Building $97,966$146,266 (+7.85%) Land $48,300 Building $97,966
2024$1,616.00 (+7.95%)$135,623 (+9.53%) Land $40,250 Building $95,373$135,623 (+9.53%) Land $40,250 Building $95,373
2023$1,497.00 (+10.56%)$123,818 (+14.51%) Land $36,225 Building $87,593$123,818 (+14.51%) Land $36,225 Building $87,593
2022$1,354.00$108,125$108,125 Land $30,187 Building $77,938

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

Flood

FEMA maps place 2178 Panhandle Trl in Zone X, an area of minimal flood risk, though there have been 7 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 117 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies117 in force
Nearby Flood Claims7 (2014–2025)
Claims Outside the SFHA7 of 7
Most Recent ClaimMay 2025 · rainfall accumulation
Claims by Event
  • Hurricane Sally, Sep 2020 · 4 claims
  • Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 2 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

Wildfire risk around 2178 Panhandle Trl is moderate, ranking above 45% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.06% annual chance
ExposureNone
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 SystemHOLLEY-NAVARRE WATER SYSTEM
public/private · serves 47,793 people · EPA ID FL1570349
Water SourceGroundwater
Last State InspectionOct 2025
Lead6 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 188 locations within half a mile, as of December 31, 2025

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

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