Santa Rosa County property record for 2205 Tom St, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,816 sqft · built 2019 |
| Lot Size | 0.143 acres (6,229 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $355,000 (Jun 2021) |
| Tax Bill | $3,105 (2024) |
| Deeds & Mortgages | Mar 2026 Transfer Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-2S-26-0780-0QQ86-0000 |
| Primary APN | 21-2S-26-0780-0QQ86-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,816 sqft Living Area |
| Gross Area | 2,498 sqft |
| 1st Floor Area | 1,816 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 6,229 sqft (0.143 acres) |
| Lot Dimensions | 125 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 106 sqft |
| Deck Area | 156 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2205 TOM ST |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-3343 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2M |
| Legal Description | CRESCENT SHORES PORT OF LOT QQ AKA SOUTH 1/2 OF LOT 39 UNREC POPE SUB FURTHER DES AS:: COMMENCE AT NORTHEAST CORNER OF LOT QQ, CRESCENT SHORES SUB (PB A PG 70) THENCE WESTERLY ALONG N LINE 772.80 FEET; THENCE SOUTHERLY 1444.45 FEET TO THE POINT OF BE |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 21 |
| Legal Subdivision | CRESCENT SHORES |
| Legal Lot Number | QQ,39 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 10828 |
2205 Tom St is owned and occupied by two individuals who bought it in June 2021.
Source: Santa Rosa County records, as of April 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2205 TOM ST, NAVARRE, FL 32566-3343 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 18, 2026 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Feb 18, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jun 29, 2021 | Warranty Deed, Transfer · VA Mortgage BROKER SOLUTIONS INC |
| Jun 21, 2019 | Warranty Deed, Subdivision Related Transfer · VA Mortgage INTERLINC MORTGAGE SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 2021 · Amount on File |
| Deed Sale | Jun 29, 2021 · Amount on File |
| Prior Sale | Jun 21, 2019 · Amount on File |
| Deed Document Number | 202143797 |
| Deed Book / Page | 4141 / 783 |
| Prior Transfer Date | Aug 16, 2017 |
| Prior Transfer Doc | 0036530974 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Mar 18, 2026 |
| Property Address | 2205 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0047211401 |
| Book / Page | 4721 / 1401 |
| Map Reference | MB A PG 70 |
| Instrument Date | Mar 17, 2026 |
| Instrument | 202613639 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2205 TOM ST, NAVARRE, FL 32566-3343 |
| Name | Verified Name |
|---|---|
| Address | 2205 TOM ST, NAVARRE, FL 32566-3343 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2205 TOM ST, NAVARRE, FL 32566-3343 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 2205 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0040731443 |
|---|---|
| Date | Feb 18, 2021 |
| Book Page | 4073/1443 |
| Instrument | 202110629 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 342 Months |
| Due | Aug 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jun 29, 2021 |
| Property Address | 2205 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0041410783 |
| Book / Page | 4141 / 783 |
| Instrument Date | Jun 23, 2021 |
| Instrument | 202143797 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,485.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15730 6TH AVE N, 15730, PLYMOUTH, MN 55447-3707 |
| Name | Verified Name |
|---|---|
| Address | 2205 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 4141785 |
|---|---|
| Date | Jun 29, 2021 |
| Instrument | 4141/785 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jun 21, 2019 |
| Property Address | 2205 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0038420455 |
| Book / Page | 3842 / 0455 |
| Instrument Date | Jun 19, 2019 |
| Instrument | 201926574 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 2, 2022 |
| Title Company | MEAD LAW & TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,784.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 2492, FORT WALTON BEACH, FL 32549-2492 |
| Name | Verified Name |
|---|---|
| Address | 2205 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0003842457 |
|---|---|
| Date | Jun 21, 2019 |
| Instrument | 3842/457 |
| Name | INTERLINC MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2049 |
Source: Santa Rosa County assessment roll, as of December 8, 2025
| 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 |
|---|---|---|---|
| 2025 | $306,277 (+2.9%) | $307,863 (+3.43%) Land $36,000 Building $271,863 | |
| 2024 | $3,105.00 (+1.84%) Homeowner's exemption | $297,645 (+2.78%) Land $33,000 Building $264,645 | $297,645 (-5.73%) Land $33,000 Building $264,645 |
| 2023 | $3,049.00 (+2.56%) Homeowner's exemption | $289,590 (+3%) | $315,726 (+12.3%) Land $30,000 Building $285,726 |
| 2022 | $2,973.00 Homeowner's exemption | $281,155 | $281,155 Land $27,000 Building $254,155 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2205 Tom 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 |
|
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 risk around 2205 Tom St is low, with a 0.02% annual chance of 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.
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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