2218 Moray Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2218 Moray Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,706 sqft · built 2004
Lot Size	0.569 acres (24,786 sqft)
Owner	2 Owner Names on File
Last Sale	$236,600 (Nov 2004)
Tax Bill	$4,398 (2024)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-2S-26-1921-01500-0020`

Property Details

APN / Parcel Number

Primary APN	`18-2S-26-1921-01500-0020`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,706 sqft Heated Area
Gross Area	4,725 sqft
1st Floor Area	4,126 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	24,786 sqft (0.569 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	203 sqft
Deck Area	240 sqft
Patio Area	154 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	182S261921015000020
Street Address	2218 MORAY DR
City	NAVARRE
State	FL
Zip	32566-7789
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HOLLEY BY THE SEA 2ND CORR & AMENDED LOT 2 BLK 15 AS DES IN OR 2368 PG 1246
Legal Range	26W
Legal Township	02S
Legal Section	18
Legal Subdivision	BY THE SEA
Legal Block	15
Legal Lot Number	2
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1017
Census Tract	10826

Owner

The current owner of 2218 Moray Dr bought it in November 2004.

Source: Santa Rosa County records, as of October 27, 2025

Owner of Record	2 Owner Names on File
Mailing Address	2218 MORAY DR, NAVARRE, FL 32566-7789
Occupancy	Owner Occupied

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2004 · Amount on File
Deed Sale	Nov 3, 2004 · Amount on File
Prior Sale	Nov 27, 1996 · Amount on File
Deed Document Number	200463634
Deed Book / Page	2368 / 1246
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2218 MORAY DR, NAVARRE, FL 32566-7789
Transaction Type	Mortgage
Record Updated	Apr 13, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2218 MORAY DR, NAVARRE, FL 32566-7789

Mortgage

Document Number	0040750329
Date	Feb 22, 2021
Book Page	4075/329
Instrument	202111269

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

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
2024	$4,398.00 (+93.83%) Homeowner's exemption	$472,166 (+123.1%) Land $78,750 Building $393,416	$472,166 (+35.35%) Land $78,750 Building $393,416
2023	$2,269.00 (+3.84%) Homeowner's exemption	$211,634 (+0.89%)	$348,853 (+7.51%) Land $65,000 Building $283,853
2022	$2,185.00 Homeowner's exemption	$209,774	$324,478 Land $50,000 Building $274,478

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2218 Moray Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 43 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	43 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2014 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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

Wildfire risk around 2218 Moray Dr is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 61% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% 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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50

May also be available: LiveOak Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Moray Dr

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