Santa Rosa County property record for 2221 Pepper Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,433 sqft · built 2021 |
| Lot Size | 0.557 acres (24,263 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $555,000 (Jul 2025) |
| Tax Bill | $236 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage Jun 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-2S-26-1920-22100-0110 |
| Primary APN | 18-2S-26-1920-22100-0110 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,433 sqft Living Area |
| Gross Area | 3,359 sqft |
| 1st Floor Area | 2,433 sqft |
| Flooring | Tile |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Wood Shingle |
| Lot Area | 24,263 sqft (0.557 acres) |
| Garage Type | Attached |
| Garage Area | 700 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2221 PEPPER DR |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-7798 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HOLLEY BY THE SEA LOT 11 BLK 221 AS DES IN OR 4637 PG 71 |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 18 |
| Legal Subdivision | HOLLEY SEA/1ST AMD |
| Legal Block | 221 |
| Legal Lot Number | 11 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 10821 |
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 | 2221 PEPPER DR, NAVARRE, FL 32566-7798 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 3, 2021 | Warranty Deed, Subdivision Related Transfer · VA Mortgage TRIDENT HOME LOANS LLC |
| Jun 29, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 14, 2025 · Amount on Record |
| Deed Sale | Jul 14, 2025 · Amount on Record |
| Prior Sale | Sep 3, 2021 · Amount on Record |
| Deed Document Number | 202532039 |
| Deed Book / Page | 4637 / 71 |
| Prior Transfer Date | Aug 4, 1997 |
| Prior Transfer Doc | 1626000457 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Sep 3, 2021 |
| Property Address | 2221 PEPPER DR, NAVARRE, FL 32566-7798 |
| Document Number | 0041731259 |
| Book / Page | 4173 / 1259 |
| Map Reference | MB B PG 155 |
| Instrument Date | Sep 3, 2021 |
| Instrument | 202159408 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 14, 2023 |
| Title Company | COTTON LAND TITLE INC, COTTON LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,975.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8173 E BAY BLVDA, NAVARRE, FL 32566 |
| Name | Verified Name |
|---|---|
| Address | 2221 PEPPER DR, NAVARRE, FL 32566-7798 |
| Document Number | 0041731260 |
|---|---|
| Date | Sep 3, 2021 |
| Instrument | 4173/1260 |
| Name | TRIDENT HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jun 29, 2020 |
| Property Address | 2221 PEPPER DR, NAVARRE, FL 32566-7798 |
| Document Number | 0039690062 |
| Book / Page | 003969 / 000062 |
| Instrument Date | Jun 17, 2020 |
| Instrument | 31564 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $224.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 8173 E BAY BLVD NAVARRE FL 325668976, NAVARRE, FL 32566-8976 |
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 | $236.00 (-92.69%) | $321,648 (+2.9%) | $449,388 (+2.33%) Land $71,250 Building $378,138 |
| 2024 | $3,228.00 (-37.19%) Homeowner's exemption Disabled Person's exemption | $312,583 (-26.75%) | $439,142 (+2.91%) Land $71,250 Building $367,892 |
| 2023 | $5,139.00 (+6.62%) | $426,724 (+7.71%) Land $61,750 Building $364,974 | $426,724 (+7.71%) Land $61,750 Building $364,974 |
| 2022 | $4,820.00 | $396,168 | $396,168 Land $47,500 Building $348,668 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 162 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 162 in force |
| Nearby Flood Claims | 1 (2020) |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · lower than 78% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 94 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 · Fiber in parts of the area | 1,000 / 50 |
May also be available: LiveOak Fiber.
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