Santa Rosa County property record for 2221 Tom St, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,829 sqft · built 2018 |
| Lot Size | 0.143 acres (6,229 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $254,900 (Nov 2018) |
| Tax Bill | $733 (2025) |
| Deeds & Mortgages | Apr 2026 Sale Apr 2026 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-2S-26-0780-0QQ00-1230 |
| Primary APN | 21-2S-26-0780-0QQ00-1230 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,829 sqft Living Area |
| Gross Area | 2,564 sqft |
| 1st Floor Area | 1,829 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| 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 | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 100 sqft |
| Patio Area | 195 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2221 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 SUB LOT QQ BEGINNING AT THE NORTHEAST CORNER OF LOT QQ CRESCENT SHORES SUBDIVISION (PB A PG 70) THENCE WEST 772.8 FEET THENCE SOUTHERLY 1194.45 FEET TO POINT OF BEGINNING; THENCE EASTERLY 125 FEET TO WEST R/W OF TOM STREET; THENCE NOR |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 21 |
| Legal Subdivision | CRESCENT SHORES |
| Legal Block | |
| Legal Lot Number | |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 10828 |
2221 Tom St is owned and occupied by two individuals who acquired it in November 2025.
Source: Santa Rosa County records, as of July 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2221 TOM ST, NAVARRE, FL 32566-3343 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
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 |
|---|---|
| Apr 2, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Apr 2, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Nov 17, 2025 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Jun 4, 2021 | Warranty Deed, Transfer · VA Mortgage PENTAGON FCU |
| Nov 8, 2018 | Warranty Deed, Subdivision Related Transfer · VA Mortgage MORTGAGE ONE/SOUTH |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 8, 2018 · Amount on File |
| Deed Sale | Nov 8, 2018 · Amount on File |
| Prior Sale | Aug 30, 2017 · Amount on File |
| Deed Document Number | 201848078 |
| Deed Book / Page | 3781 / 551 |
| Last Transfer Date | Nov 5, 2025 |
| Transfer Doc | 0046791292 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 2, 2026 |
| Property Address | 2221 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0000016480 |
| Book / Page | 4727 / 1229 |
| Instrument Date | Apr 1, 2026 |
| Instrument | 202616480 |
| Transaction Type | Transfer |
| Record Updated | Apr 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 2221 TOM ST, NAVARRE, FL 32566-3343 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 2, 2026 |
| Property Address | 2221 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0047271229 |
| Book / Page | 4727 / 1229 |
| Instrument Date | Apr 1, 2026 |
| Instrument | 202616480 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 2221 TOM ST, NAVARRE, FL 32566-3343 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Nov 17, 2025 |
| Property Address | 2221 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0046791292 |
| Book / Page | 4679 / 1292 |
| Instrument Date | Nov 5, 2025 |
| Instrument | 202553779 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2221 TOM ST, NAVARRE, FL 32566-3343 |
| Name | Verified Name |
|---|---|
| Address | 2221 TOM ST, NAVARRE, FL 32566-3343 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jun 4, 2021 |
| Property Address | 2221 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0041281305 |
| Book / Page | 4128 / 1305 |
| Instrument Date | May 26, 2021 |
| Instrument | 202137555 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | SETCO SERVICES LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2221 TOM ST, 2221, NAVARRE, FL 32566-3343 |
| Name | Verified Name |
|---|---|
| Address | 569 KANUHA DR, FORT WALTON BEACH, FL 32547-5012 |
| Document Number | 0041281307 |
|---|---|
| Date | Jun 4, 2021 |
| Book Page | 4128/1307 |
| Instrument | 202137556 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Nov 8, 2018 |
| Property Address | 2221 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0037810551 |
| Book / Page | 003781 / 000551 |
| Instrument Date | Nov 6, 2018 |
| Instrument | 48078 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 3, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,784.30 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2221 TOM ST NAVARRE FL 32566, NAVARRE, FL 32566 |
| Document Number | 37810553 |
|---|---|
| Date | Nov 8, 2018 |
| Book Page | 003781/000553 |
| Instrument | 48079 |
| Name | MORTGAGE ONE/SOUTH |
|---|---|
| Type | Mortgage Company |
| Address | FORT WALTON BEACH, FL 32548 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 7, 2048 |
The 2025 property tax bill for 2221 Tom St was $733, up 2.7% from the year before.
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 | $733.00 (+2.66%) | $297,273 (+2.9%) | $297,664 (+3.04%) Land $36,000 Building $261,664 |
| 2024 | $714.00 (-75.54%) Homeowner's exemption Disabled Person's exemption | $288,895 (+2.02%) Land $33,000 Building $255,895 | $288,895 (-6.04%) Land $33,000 Building $255,895 |
| 2023 | $2,919.00 (+2.67%) Homeowner's exemption Disabled Person's exemption | $283,161 (+3%) | $307,470 (+11.84%) Land $30,000 Building $277,470 |
| 2022 | $2,843.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $274,914 | $274,914 Land $27,000 Building $247,914 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2221 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 2221 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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