Santa Rosa County property record for 2198 Tom St, Navarre, FL 32566
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,170 sqft · built 2023 |
| Lot Size | 0.286 acres (12,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $12,000 (Jul 1992) |
| Tax Bill | $1,180 (2024) |
| Deeds & Mortgages | Aug 2023 Mortgage Jul 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-2S-26-0780-0QQ88-0000 |
| Primary APN | 21-2S-26-0780-0QQ88-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,170 sqft Heated Area |
| 1st Floor Area | 1,170 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Vinyl |
| Foundation Type | Raised |
| Roof Material | Metal |
| Lot Area | 12,500 sqft (0.286 acres) |
| Lot Dimensions | 1,250 ft deep x 1,000 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 100 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 212S2607800QQ880000 |
|---|---|
| Street Address | 2198 TOM ST |
| City | NAVARRE |
| State | FL |
| Zip | 32566-3303 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | R2M |
| Legal Description | CRESCENT SHORES COM NE COR OF LOT QQ TH W 472.8 FT TH S 1544.45 TO POB; TH W 125 FT TH S 100 FT TH E 125 FT TH N 100 FT TO |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 21 |
| Legal Subdivision | CRESCENT SHORES |
| Legal Lot Number | |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 10828 |
Source: Santa Rosa County records, as of October 27, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 2198 TOM ST, NAVARRE, FL 32566-3303 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 25, 2023 | Deed of Trust, Mortgage · Closed-End Mortgage PEOPLES NATIONAL BANK |
| Jul 20, 2023 | Deed of Trust, Mortgage · Closed-End Mortgage PEOPLES NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 1992 · Amount on Record |
| Deed Sale | Jul 1, 1992 · Amount on Record |
| Deed Document Number | 0001276594 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2198 TOM ST, NAVARRE, FL 32566-3303 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2198 TOM ST, NAVARRE, FL 32566-3303 |
| Document Number | 0044280041 |
|---|---|
| Date | Aug 25, 2023 |
| Book Page | 4428/41 |
| Instrument | 202338783 |
| Name | PEOPLES NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | NICEVILLE, FL 32578 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Sep 14, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2198 TOM ST, NAVARRE, FL 32566-3303 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2198 TOM ST, NAVARRE, FL 32566-3303 |
| Document Number | 0044161992 |
|---|---|
| Date | Jul 20, 2023 |
| Book Page | 4416/1992 |
| Instrument | 202332646 |
| Name | PEOPLES NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | NICEVILLE, FL 32578 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 62 Months |
| Due | Sep 14, 2028 |
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 | $1,180.00 (+415.28%) Homeowner's exemption | $128,644 (+293.23%) | $154,348 (+96.2%) Land $59,400 Building $94,948 |
| 2023 | $229.00 (+9.05%) Homeowner's exemption | $32,715 (+3%) | $78,668 (+13.52%) Land $54,000 Building $24,668 |
| 2022 | $210.00 Homeowner's exemption | $31,762 | $69,298 Land $48,600 Building $20,698 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
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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