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2203 Paloma St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2203 Paloma St, Navarre, FL 32566

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,673 sqft · built 2022
Lot Size0.156 acres (6,795 sqft)
OwnerIndividual Name on Record
Last Sale$392,000 (Mar 2022)
Tax Bill$2,492 (2024)
Deeds & MortgagesFeb 2021 Construction Loan
Mar 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN21-2S-26-0780-0WW00-0420

Property Details

APN / Parcel Number

Primary APN21-2S-26-0780-0WW00-0420
Alternative APN
  • S2622107800WW000420

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,673 sqft Living Area
Gross Area2,435 sqft
1st Floor Area1,673 sqft
FlooringWood
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Exterior MaterialBrick
Construction TypeWood
Roof MaterialWood Shingle
Lot Area6,795 sqft (0.156 acres)
Lot Dimensions136 ft deep x 50 ft wide
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchFinished/Open Porch
Porch Area218 sqft
Deck Area520 sqft
Patio Area170 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address2203 PALOMA ST
CityNAVARRE
StateFL
Zip32566-1216
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR2M
Legal Description*NEW LEGAL FOR 2019* SURVEY PARCEL A BEING PART OF LOT WW CRESCENT SHORES SUB FURTHER DES AS: N 50 FT OF FOLLOWING: COM AT THE SW CORNER OF LOT WW CRESCENT SHORES REC IN PLAT BK A PG 70 THN N 1211.65 FT TO POB THN CONT N 150 FT THN E 136 FT THN S 150
Legal Range26W
Legal Township2S
Legal Section21
Legal SubdivisionCRESCENT SHORES
Legal BlockWW
Legal Lot NumberWW
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group1
Census Block1000
Census Tract10827

Owner

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 Record
Mailing Address2203 PALOMA ST, NAVARRE, FL 32566-1216
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 2, 2021Deed of Trust, Mortgage · Construction Mortgage
FNBT BANK
Mar 28, 2022Warranty Deed, Transfer · VA Mortgage
TRIDENT HOME LOANS LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 28, 2022 · Amount on Record
Deed SaleMar 28, 2022 · Amount on Record
Prior SaleMay 7, 2018 · Amount on Record
Deed Document Number202218256
Deed Book / Page4263 / 1108
Prior Transfer DateJan 3, 2019
Prior Transfer Doc0038561734
Record UpdatedJun 8, 2026

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address2203 PALOMA ST, NAVARRE, FL 32566-1216
Transaction TypeMortgage
Record UpdatedMar 14, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address2193 BELLEMEADE CIR, NAVARRE, FL 32566-2845

Mortgage

Document Number0040642046
DateFeb 2, 2021
Book Page4064/2046
Instrument202106482
Lender
NameFNBT BANK
TypeBank
AddressFORT WALTON BEACH, FL 32549
Agreement
TypeConstruction Mortgage
AmountAmount Recorded

March 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateMar 28, 2022
Property Address2203 PALOMA ST, NAVARRE, FL 32566-1216
Document Number0042631108
Book / Page4263 / 1108
Instrument DateMar 24, 2022
Instrument202218256
Transaction TypeTransfer
Record UpdatedMay 9, 2022
Title CompanyEMERALD COAST TITLE INC - GULF BREEZE, EMERALD COAST TTL INC GULF B

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,744.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2193 BELLEMEADE CIR, 2193, NAVARRE, FL 32566-2845

Transferred To (Grantee/Buyer)

NameVerified Name
Address2203 PALOMA ST, NAVARRE, FL 32566-1216

Mortgage

Document Number0042631110
DateMar 28, 2022
Instrument4263/1110
Lender
NameTRIDENT HOME LOANS LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2052

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$256,181 (+2.9%)$290,691 (+3.44%) Land $36,000 Building $254,691
2024$2,492.00 (-3%) Homeowner's exemption Disabled Person's exemption$248,961 (-15.82%)$281,035 (-4.98%) Land $33,000 Building $248,035
2023$3,560.00 (+741.61%)$295,750 (+995.37%) Land $30,000 Building $265,750$295,750 (+995.37%) Land $30,000 Building $265,750
2022$423.00$27,000$27,000 Land $27,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 Record
median of 248 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies271 units insured
incl. 23 condo units
Nearby Flood Claims31 (1995–2020)
Claims Outside the SFHA7 of 31
Most Recent ClaimSep 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 RiskModerate
above 42% of the US · lower than 86% of Florida
Wildfire Likelihood0.06% annual chance
ExposureIndirect
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 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 467 locations within half a mile, as of December 31, 2025

ProviderMax 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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