Santa Rosa County property record for 2235 Paloma St, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,598 sqft · built 2006 |
| Lot Size | 0.223 acres (9,714 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $300,000 (Sep 2021) |
| Tax Bill | $2,689 (2024) |
| Deeds & Mortgages | May 2026 Line of Credit Sep 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-2S-26-0780-0WW00-0802 |
| Primary APN | 21-2S-26-0780-0WW00-0802 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,598 sqft Living Area |
| Gross Area | 2,207 sqft |
| 1st Floor Area | 1,598 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 9,714 sqft (0.223 acres) |
| Lot Dimensions | 130 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 489 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2235 PALOMA ST |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-1216 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2M |
| Legal Description | CRESCENT SHORES PART OF LT 133 BANDERA UNREC SUB DES AS: COM AT SW CORN LOT WW THN N 1661. 65 FT TO POB CONT N 75 FT THN E 136 FT THN S 75 FT THN W 136 FT TO POB AS DES IN OR 4172 PG 713 |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 21 |
| Legal Subdivision | CRESCENT SHORES |
| Legal Block | WW |
| Legal Lot Number | 802 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 10827 |
Source: Santa Rosa County records, as of May 21, 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 | 2235 PALOMA ST, NAVARRE, FL 32566-1216 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 5, 2026 | Deed of Trust, Mortgage · Line of Credit LEAD BANK |
| Sep 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 2021 · Amount on Record |
| Deed Sale | Sep 1, 2021 · Amount on Record |
| Prior Sale | Apr 14, 2008 · Amount on Record |
| Deed Document Number | 202158803 |
| Deed Book / Page | 4172 / 713 |
| Prior Transfer Date | Feb 15, 2006 |
| Prior Transfer Doc | 0025680328 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | May 5, 2026 |
| Property Address | 2235 PALOMA ST, NAVARRE, FL 32566-1216 |
| Document Number | 0000022665 |
| Book / Page | 4740 / 1523 |
| Instrument Date | Apr 27, 2026 |
| Instrument | 202622665 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU |
| Name | Verified Name |
|---|---|
| Address | 2235 PALOMA ST, NAVARRE, FL 32566-1216 |
| Document Number | 0000022665, |
|---|---|
| Date | May 5, 2026 |
| Book Page | 4740/1523 |
| Instrument | 202622665 |
| Name | LEAD BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 27, 2056 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Sep 1, 2021 |
| Property Address | 2235 PALOMA ST, NAVARRE, FL 32566-1216 |
| Document Number | 0041720713 |
| Book / Page | 4172 / 713 |
| Instrument Date | Aug 31, 2021 |
| Instrument | 202158803 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2021 |
| Title Company | VINTAGE TITLE & ESCROW INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,100.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2182 CRESCENT WOOD RD, 2182, NAVARRE, FL 32566-1265 |
| Name | Verified Name |
|---|---|
| Address | 2235 PALOMA ST, NAVARRE, FL 32566-1216 |
| Document Number | 0041720717 |
|---|---|
| Date | Sep 1, 2021 |
| Book Page | 4172/717 |
| Instrument | 202158805 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
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 | $268,921 (+2.9%) | $270,954 (+3.68%) Land $51,300 Building $219,654 | |
| 2024 | $2,689.00 (-18.24%) Homeowner's exemption | $261,342 (-4.8%) Land $47,025 Building $214,317 | $261,342 (-4.8%) Land $47,025 Building $214,317 |
| 2023 | $3,289.00 (+9.56%) | $274,527 (+11.72%) Land $42,750 Building $231,777 | $274,527 (+11.72%) Land $42,750 Building $231,777 |
| 2022 | $3,002.00 | $245,732 | $245,732 Land $38,475 Building $207,257 |
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 248 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 271 units insured incl. 23 condo units |
| Nearby Flood Claims | 31 (1995–2020) |
| Claims Outside the SFHA | 7 of 31 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · above 40% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 146 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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