2207 Paloma St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2207 Paloma St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,744 sqft · built 2014
Lot Size	0.234 acres (10,193 sqft)
Owner	2 Individual Names on Record
Last Sale	$395,000 (Apr 2023)
Tax Bill	$3,467 (2024)
Deeds & Mortgages	Apr 2023 Sale & Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21-2S-26-0780-0WW00-1110`

Property Details

APN / Parcel Number

Primary APN	`21-2S-26-0780-0WW00-1110`
Alternative APN	`S2622107800WW001110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,744 sqft Living Area
Gross Area	2,322 sqft
1st Floor Area	1,744 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	10,193 sqft (0.234 acres)
Lot Dimensions	136 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	158 sqft
Deck Area	240 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2207 PALOMA ST
City	NAVARRE
State	FL
Zip	32566-1216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2M
Legal Description	CRESCENT SHORES PORT OF LOT WW PER PB A PG 70 DES AS: COM AT SW CORN OF LOT WW THN N 1361.66 FT TO POB & CONT 75 FT THN E 136 FT THN S 75 FT THN W 136 FT & POB BEING LOT 137 OF UNREC BANDERA SUB AS DES IN OR 4388 PG 327
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 May 21, 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	117 PATTON DR NE, FORT WALTON BEACH, FL 32547-2821
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2023	Special Warranty Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC
May 4, 2020	Deed of Trust, Mortgage · VA Mortgage LOANPAL LLC
Jan 22, 2019	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Apr 16, 2018	Warranty Deed, Transfer · VA Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2023 · Amount on Record
Deed Sale	Apr 25, 2023 · Amount on Record
Prior Sale	Apr 16, 2018 · Amount on Record
Deed Document Number	202317641
Deed Book / Page	4388 / 327
Prior Transfer Date	Dec 20, 2005
Prior Transfer Doc	0025531502
Record Updated	Oct 29, 2026

April 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 25, 2023
Property Address	2207 PALOMA ST, NAVARRE, FL 32566-1216
Document Number	0043880327
Book / Page	4388 / 327
Instrument Date	Apr 19, 2023
Instrument	202317641
Transaction Type	Transfer
Record Updated	May 19, 2023
Title Company	LEGACYHOUSE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	101 MICHAEL CT, OXFORD, AL 36203-6367

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 PATTON DR NE, FORT WALTON BEACH, FL 32547-2821

Mortgage

Document Number	0004388330
Date	Apr 25, 2023
Instrument	4388/330

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2207 PALOMA ST, NAVARRE, FL 32566-1216
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039461941
Date	May 4, 2020
Book Page	3946/1941
Instrument	202021086

Lender

Name	LOANPAL LLC
Type	Non-Lending Institution
Address	ROSEVILLE, CA 95661

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2207 PALOMA ST, NAVARRE, FL 32566-1216
Document Number	0038001027
Instrument Date	Jan 22, 2019
Transaction Type	Mortgage
Record Updated	Feb 27, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2207 PALOMA ST NAVARRE FL 325661216, NAVARRE, FL 32566-1216

Mortgage

Document Number	0038001027
Date	Jan 31, 2019
Book Page	003800/001027
Instrument	3776

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 30, 2049

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 16, 2018
Property Address	2207 PALOMA ST, NAVARRE, FL 32566-1216
Document Number	0037181829
Book / Page	3718 / 1829
Instrument Date	Apr 12, 2018
Instrument	201814795
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,679.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2207 PALOMA ST, 2207, NAVARRE, FL 32566-1216

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 MICHAEL CT, OXFORD, AL 36203-6367

Mortgage

Document Number	0201814796
Date	Apr 16, 2018
Instrument	201814796

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

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		$301,952 (+3.61%) Land $51,300 Building $250,652	$301,952 (+3.61%) Land $51,300 Building $250,652
2024	$3,467.00 (+53.61%)	$291,434 (+31.78%) Land $47,025 Building $244,409	$291,434 (-4.44%) Land $47,025 Building $244,409
2023	$2,257.00 (+3.44%) Homeowner's exemption	$221,151 (+3.57%)	$304,982 (+12.74%) Land $42,750 Building $262,232
2022	$2,182.00 Homeowner's exemption	$213,535	$270,524 Land $38,475 Building $232,049

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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