2188 Janet St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2188 Janet St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,522 sqft · built 2016
Lot Size	0.189 acres (8,250 sqft)
Owner	Individual Name on File
Last Sale	$163,000 (Jun 2017)
Tax Bill	$1,628 (2024)
Deeds & Mortgages	May 2021 Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-2S-26-0780-0QQ29-0000`

Property Details

APN / Parcel Number

Primary APN	`21-2S-26-0780-0QQ29-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,522 sqft Heated Area
Gross Area	1,590 sqft
1st Floor Area	1,522 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	8,250 sqft (0.189 acres)
Lot Dimensions	1,100 ft deep x 750 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	68 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	212S2607800QQ290000
Street Address	2188 JANET ST
City	NAVARRE
State	FL
Zip	32566-3381
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2M
Legal Description	CRESCENT SHORES: COM NE CORN OF LOT QQ THN S00'W ON E LOT LN 1419.45 FT TO POB & CONT 75 FT THN N900'W 110 FT TO E R/W OF
Legal Range	26W
Legal Township	02S
Legal Section	21
Legal Subdivision	CRESCENT SHORES
Legal Block	QQ
Legal Lot Number	12 13
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1003
Census Tract	10828

Owner

2188 Janet St is owned and occupied by an individual who bought it in June 2017.

Source: Santa Rosa County records, as of October 27, 2025

Owner of Record	Individual Name on File
Mailing Address	2188 JANET ST, NAVARRE, FL 32566-3381
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
May 20, 2021	Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORP
Jun 15, 2017	Warranty Deed, Transfer UNIVERSITY LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2017 · Amount on File
Deed Sale	Jun 15, 2017 · Amount on File
Prior Sale	Sep 4, 2014
Deed Document Number	201724303
Deed Book / Page	3633 / 1502
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2188 JANET ST, NAVARRE, FL 32566-3381
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2188 JANET ST, NAVARRE, FL 32566-3381

Mortgage

Document Number	0041210803
Date	May 20, 2021
Book Page	4121/803
Instrument	202133863

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 15, 2017
Property Address	2188 JANET ST, NAVARRE, FL 32566-3381
Document Number	0036331502
Book / Page	003633 / 001502
Instrument Date	Jun 14, 2017
Instrument	24303
Transaction Type	Transfer
Record Updated	Jun 26, 2017
Title Company	RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,141.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2188 JANET ST NAVARRE FL 325663381, NAVARRE, FL 32566-3381

Mortgage

Document Number	36331503
Date	Jun 15, 2017
Book Page	003633/001503
Instrument	24304

Lender

Name	UNIVERSITY LNDG
Address	SOUTHFIELD, MI 48034

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 14, 2047

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

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
2024	$1,628.00 (+2.71%) Homeowner's exemption	$168,057 (+3%)	$258,964 (-4.74%) Land $47,025 Building $211,939
2023	$1,585.00 (+3.12%) Homeowner's exemption	$163,162 (+3%)	$271,858 (+16.14%) Land $42,750 Building $229,108
2022	$1,537.00 Homeowner's exemption	$158,409	$234,073 Land $38,475 Building $195,598

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

Flood

FEMA maps place 2188 Janet 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	Hurricane Sally, Sep 2020 · 2 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 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 2188 Janet St is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within 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 467 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	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cox Communications.

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