2204 Tom St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2204 Tom St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,538 sqft · built 2021
Lot Size	0.143 acres (6,229 sqft)
Owner	2 Individual Names on Record
Last Sale	$337,400 (Dec 2021)
Tax Bill	$1,277 (2024)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-2S-26-0780-0QQ00-1740`

Property Details

APN / Parcel Number

Primary APN	`21-2S-26-0780-0QQ00-1740`
Alternative APN	`S2622107800QQ001740`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,538 sqft Living Area
Gross Area	2,149 sqft
1st Floor Area	1,538 sqft
Flooring	Vinyl/Resilient

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	6,229 sqft (0.143 acres)
Lot Dimensions	125 ft deep x 50 ft wide
View / Lot	Mobile Home
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2204 TOM ST
City	NAVARRE
State	FL
Zip	32566-3342
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2M
Legal Description	DESCRIPTION UPDATE FOR 2022 AKA PARCEL D DES AS: THE S 50 FT OF THE FOLLOWING: COM AT THE NE COR OF LOT QQ IN CRESENT SHORES AS REC IN PLAT BK A PG 70 GO W 472.80 FT THEN S 1244.45 FT TO POB THN W 125 FT THN S 200 FT THN E 125 FT THN N 200 FT TO PO
Legal Range	26W
Legal Township	2S
Legal Section	21
Legal Subdivision	CRESCENT SHORES
Legal Block	QQ
Legal Lot Number	174
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1004
Census Tract	10828

Owner

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

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	7109 ROCK OAK CIR, SEDALIA, CO 80135-9133
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2021 · Amount on Record
Deed Sale	Dec 13, 2021 · Amount on Record
Deed Document Number	202182447
Deed Book / Page	4220 / 243
Last Transfer Date	Jun 30, 2025
Transfer Doc	0000030130
Record Updated	Sep 20, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 13, 2021
Property Address	2204 TOM ST, NAVARRE, FL 32566-3342
Document Number	0042200243
Book / Page	4220 / 243
Instrument Date	Dec 13, 2021
Instrument	202182447
Transaction Type	Transfer
Record Updated	Feb 2, 2022
Title Company	NAUTILUS TITLE AND ESCROW, NAUTILUS TITLE & ESCROW

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,361.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	127 BEACH DRC, 127, FORT WALTON BEACH, FL 32547

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	485 WESTGATE WAY, MARY ESTHER, FL 32569-2119

Mortgage

Document Number	0004220246
Date	Dec 13, 2021
Instrument	4220/246

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

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		$254,313 (+2.9%)	$257,640 (+3.53%) Land $36,000 Building $221,640
2024	$1,277.00 (-48.36%) Homeowner's exemption Additional exemption filed	$247,146 (+3%)	$248,856 (-5.51%) Land $33,000 Building $215,856
2023	$2,473.00 (+2.7%) Homeowner's exemption	$239,948 (+3%)	$263,375 (+13.06%) Land $30,000 Building $233,375
2022	$2,408.00 Homeowner's exemption	$232,959	$232,959 Land $27,000 Building $205,959

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 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

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.

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 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