2195 Paloma St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2195 Paloma St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,758 sqft · built 2020
Lot Size	0.156 acres (6,795 sqft)
Owner	2 Individual Names on Record
Last Sale	$404,900 (Aug 2022)
Tax Bill	$3,425 (2024)
Deeds & Mortgages	Aug 2022 Sale Nov 2019 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-2S-26-0780-0WW00-0422`

Property Details

APN / Parcel Number

Primary APN	`21-2S-26-0780-0WW00-0422`
Alternative APN	`S2622107800WW000422`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,758 sqft Living Area
Gross Area	2,590 sqft
1st Floor Area	1,758 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	6,795 sqft (0.156 acres)
Lot Dimensions	136 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	202 sqft
Patio Area	230 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2195 PALOMA ST
City	NAVARRE
State	FL
Zip	32566-1243
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2M
Legal Description	CRESCENT SHORES PORT OF LOT WW DES AS: PARCEL C S 50 FT OF: COM AT SW CORNER OF LOT WW OF CRESCENT SHORES REC IN PB A PG 70 THN N 1211. 65 FT TO POB THN CONT 150 FT THN E 136 FT THN S 150 FT THN W 136 FT TO POB BEING LOTS 138 & 139 OF UNREC BANDERA S
Legal Range	26W
Legal Township	2S
Legal Section	21
Legal Subdivision	CRESCENT SHORES
Legal Block	WW
Legal Lot Number	WW
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1000
Census Tract	10827

Owner

Source: Santa Rosa County records, as of January 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	7286 BREVARD ST, NAVARRE, FL 32566-8639
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2022	Warranty Deed, Transfer RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP
Nov 7, 2019	Deed of Trust, Mortgage · Construction Mortgage FNBT BANK
Jul 7, 2020	Warranty Deed, Transfer · VA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2022 · Amount on Record
Deed Sale	Aug 9, 2022 · Amount on Record
Prior Sale	Jul 7, 2020 · Amount on Record
Deed Document Number	202246646
Deed Book / Page	4314 / 1275
Prior Transfer Date	Jan 3, 2019
Prior Transfer Doc	0038561738
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 9, 2022
Property Address	2195 PALOMA ST, NAVARRE, FL 32566-1243
Document Number	0043141275
Book / Page	4314 / 1275
Instrument Date	Aug 5, 2022
Instrument	202246646
Transaction Type	Transfer
Record Updated	Sep 9, 2022
Title Company	RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP

Transaction

Amount	Amount Recorded
Tax	$2,834.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2195 PALOMA ST, 2195, NAVARRE, FL 32566-1243

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7286 BREVARD ST, NAVARRE, FL 32566-8639

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2195 PALOMA ST, NAVARRE, FL 32566-1243
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038880277
Date	Nov 7, 2019
Book Page	3888/0277
Instrument	201950316

Lender

Name	FNBT BANK
Type	Bank
Address	FORT WALTON BEACH, FL 32549

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 7, 2020
Property Address	2195 PALOMA ST, NAVARRE, FL 32566-1243
Document Number	0039722057
Book / Page	3972 / 2057
Instrument Date	Jul 1, 2020
Instrument	202033295
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	MEAD LAW & TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,959.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2193 BELLEMEADE CIR, 2193, NAVARRE, FL 32566-2845

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2195 PALOMA ST, NAVARRE, FL 32566-1243

Mortgage

Document Number	0039722059
Date	Jul 7, 2020
Instrument	3972/2059

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 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		$297,900 (+3.61%) Land $36,000 Building $261,900	$297,900 (+3.61%) Land $36,000 Building $261,900
2024	$3,425.00 (-6.6%)	$287,517 (-5.64%) Land $33,000 Building $254,517	$287,517 (-5.64%) Land $33,000 Building $254,517
2023	$3,667.00 (+50.04%) Homeowner's exemption	$304,688 (+29.23%) Land $30,000 Building $274,688	$304,688 (+12.35%) Land $30,000 Building $274,688
2022	$2,444.00 Homeowner's exemption	$235,768	$271,202 Land $27,000 Building $244,202

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

Flood

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 Record median of 248 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	271 units insured incl. 23 condo units
Nearby Flood Claims	31 (1995–2020)
Claims Outside the SFHA	7 of 31
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 15 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 2 claims Hurricane Frances, Sep 2004 · 10 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

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

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.06% 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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