2227 Ortega St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2227 Ortega St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,684 sqft · built 2004
Lot Size	0.316 acres (13,765 sqft)
Owner	Individual Name on File
Last Sale	$585,000 (Aug 2022)
Tax Bill	$223 (2024)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-2S-26-5065-00C00-0030`

Property Details

APN / Parcel Number

Primary APN	`16-2S-26-5065-00C00-0030`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,684 sqft Heated Area
Gross Area	3,546 sqft
1st Floor Area	3,104 sqft
Flooring	Ceramic Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2014
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	13,765 sqft (0.316 acres)
Lot Dimensions	1,450 ft deep x 950 ft wide
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	302 sqft
Patio Area	140 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	162S26506500C000030
Street Address	2227 ORTEGA ST
City	NAVARRE
State	FL
Zip	32566-4162
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SKY RIDGE ESTATES LOT 3 BLK C AS DES IN OR 4321 PG 893
Legal Range	26W
Legal Township	02S
Legal Section	16
Legal Subdivision	SKY RIDGE ESTATES
Legal Block	C
Legal Lot Number	3
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	3
Census Block	3000
Census Tract	10827

Owner

2227 Ortega St is owned and occupied by an individual who bought it in August 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2227 ORTEGA ST, NAVARRE, FL 32566-4162
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Aug 30, 2022	Warranty Deed, Transfer · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 24, 2020	Deed of Trust, Mortgage · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB
Sep 27, 2018	Warranty Deed, Transfer · VA Mortgage BOKF NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2022 · Amount on File
Deed Sale	Aug 30, 2022 · Amount on File
Prior Sale	Sep 27, 2018 · Amount on File
Deed Document Number	202250461
Deed Book / Page	4321 / 893
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 30, 2022
Property Address	2227 ORTEGA ST, NAVARRE, FL 32566-4162
Document Number	0043210893
Book / Page	4321 / 893
Map Reference	MB 9 PG 3
Instrument Date	Aug 24, 2022
Instrument	202250461
Transaction Type	Transfer
Record Updated	Oct 5, 2022
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,095.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	961 SE BAYFRONT AVE, 961, PORT SAINT LUCIE, FL 34983-3911

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2227 ORTEGA ST, NAVARRE, FL 32566-4162

Mortgage

Document Number	0004321895
Date	Aug 30, 2022
Instrument	4321/895

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2227 ORTEGA ST, NAVARRE, FL 32566-4162
Transaction Type	Mortgage
Record Updated	Dec 21, 2021
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039671222
Date	Jun 24, 2020
Book Page	3967/1222
Instrument	202030906

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	May 1, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 27, 2018
Property Address	2227 ORTEGA ST, NAVARRE, FL 32566-4162
Document Number	0037691518
Book / Page	3769 / 1518
Map Reference	MB9 PG3
Instrument Date	Sep 24, 2018
Instrument	201841728
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	SHORELINE TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,487.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1783 BRANTLEY DR, 1783, GULF BREEZE, FL 32563-9366

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2227 ORTEGA ST, NAVARRE, FL 32566-4162

Mortgage

Document Number	0201841729
Date	Sep 27, 2018
Instrument	201841729

Lender

Name	BOKF NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

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	$223.00 (-94.54%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$376,135 (+0.76%) Land $45,000 Building $331,135	$376,135 (+0.76%) Land $45,000 Building $331,135
2023	$4,082.00 (-1.09%)	$373,310 (+5.29%) Land $45,000 Building $328,310	$373,310 (+5.29%) Land $45,000 Building $328,310
2022	$4,127.00	$354,563	$354,563 Land $45,000 Building $309,563

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

Flood

FEMA maps place 2227 Ortega St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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 115 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	115 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
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.

Wildfire

Wildfire risk around 2227 Ortega St is moderate, ranking above 46% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.05% 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 321 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
AT&T Fiber	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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