Santa Rosa County property record for 2228 Moray Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,761 sqft · built 2024 |
| Lot Size | 0.585 acres (25,526 sqft) |
| Owner | Individual Name on File |
| Last Sale | $85,000 (Oct 2022) |
| Tax Bill | $1,029 (2024) |
| Deeds & Mortgages | Oct 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-2S-26-1921-01500-0030 |
| Primary APN | 18-2S-26-1921-01500-0030 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,761 sqft Heated Area |
| 1st Floor Area | 2,223 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2024 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 25,526 sqft (0.585 acres) |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 182S261921015000030 |
|---|---|
| Street Address | 2228 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 3 BLK 15 AS DES IN OR 4336 PG 1847 |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 18 |
| Legal Subdivision | BY THE SEA |
| Legal Block | 15 |
| Legal Lot Number | 3 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 10826 |
2228 Moray Dr is owned by an individual who bought it in October 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 | 768 OLDHAM CT W, ABILENE, TX 79602-4148 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 18, 2022 · Amount on File |
| Deed Sale | Oct 18, 2022 · Amount on File |
| Deed Document Number | 202259288 |
| Deed Book / Page | 4336 / 1847 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Oct 18, 2022 |
| Property Address | 2228 MORAY DR, NAVARRE, FL 32566-7789 |
| Document Number | 0043361847 |
| Book / Page | 4336 / 1847 |
| Map Reference | MB C PG 183 |
| Instrument Date | Oct 18, 2022 |
| Instrument | 202259288 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2024 |
| Title Company | COTTON LAND TITLE INC, COTTON LAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $595.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5522 YORKTOWN DRIVE, MONTCLAIR, VA 22025 |
| Name | Verified Name |
|---|---|
| Address | 768 OLDHAM CT W, ABILENE, TX 79602-4148 |
Source: Santa Rosa County assessment roll, as of July 1, 2024
| 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 |
|---|---|---|---|
| 2024 | $1,029.00 (+31.25%) | $78,750 (+21.15%) Land $78,750 | $78,750 (+21.15%) Land $78,750 |
| 2023 | $784.00 (+144.24%) | $65,000 (+16%) Land $65,000 | $65,000 (+16%) Land $65,000 |
| 2022 | $321.00 | $25,000 | $25,000 Land $25,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 2228 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 risk around 2228 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.
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 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.
5G (outdoors only) and 4G LTE
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