2209 Tom St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2209 Tom St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,472 sqft · built 2015
Lot Size	0.143 acres (6,229 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (Jul 2024)
Tax Bill	$2,697 (2025)
Deeds & Mortgages	Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-2S-26-0780-0QQ00-1200`

Property Details

APN / Parcel Number

Primary APN	`21-2S-26-0780-0QQ00-1200`
Alternative APN	`S2622107800QQ001200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,472 sqft Living Area
Gross Area	2,067 sqft
1st Floor Area	1,472 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
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	471 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	124 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2209 TOM ST
City	NAVARRE
State	FL
Zip	32566-3343
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2M
Legal Description	DESCRIPTION UPDATE FOR 2024 COM AT NE CRN OF LOT QQ CRESCENT SHORES THN WLY 772.8 FT THN S 1394.45 FT TO POB THN E 125 FT TO W R/W OF TOM ST THN NLY ON R/W 50 FT THN WLY 125 FT THN SLY 50 FT TO POB (KNOWN AS N 1/2 OF LOT 39 OF UNREC POPE SUB) AS
Legal Range	26W
Legal Township	2S
Legal Section	21
Legal Subdivision	CRESCENT SHORES
Legal Block	QQ
Legal Lot Number	QQ
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1003
Census Tract	10828

Owner

Source: Santa Rosa County records, as of April 28, 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	2209 TOM ST, NAVARRE, FL 32566-3343
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2024 · Amount on Record
Deed Sale	Jul 2, 2024 · Amount on Record
Prior Sale	Jan 27, 2020 · Amount on Record
Deed Document Number	202429612
Deed Book / Page	4518 / 346
Record Updated	Jun 8, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jan 27, 2020
Property Address	2209 TOM ST, NAVARRE, FL 32566-3343
Document Number	0039121737
Book / Page	3912 / 1737
Instrument Date	Jan 16, 2020
Instrument	202004040
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	BRIGHT LIGHT LAND TTL CO LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	812 GOLDILOCKS LN, 812, MANCHACA, TX 78652-4546

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2209 TOM ST, NAVARRE, FL 32566-3343

Mortgage

Document Number	0039121739
Date	Jan 27, 2020
Instrument	3912/1739

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

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	$2,697.00 (+5.06%)	$261,119 (+4.22%) Land $36,000 Building $225,119	$261,119 (+3.13%) Land $36,000 Building $225,119
2024	$2,567.00 (+2.72%) Homeowner's exemption	$250,557 (+3.42%)	$253,204 (-5.33%) Land $33,000 Building $220,204
2023	$2,499.00 (+2.67%) Homeowner's exemption	$242,264 (+3%)	$267,454 (+13.71%) Land $30,000 Building $237,454
2022	$2,434.00 Homeowner's exemption	$235,208	$235,208 Land $27,000 Building $208,208

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