Santa Rosa County property record for 2235 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 | Individual Name on Record |
| Last Sale | $375,000 (Sep 2022) |
| Tax Bill | $2,975 (2024) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage Apr 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-2S-26-0780-0QQ00-1240 |
| Primary APN | 21-2S-26-0780-0QQ00-1240 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,829 sqft Living Area |
| Gross Area | 2,369 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 |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2235 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 PORTION OF LOT QQ BEGINNING AT THE NORTHEAST CORNER OF LOT QQ CRESCENT SHORES REC PB A PG 70 IN SECTION 21 TOWNSHIP 2 SOUTH RANGE 26 WEST THENCE WESTERLY 772.8 FEET THENCE SOUTHERLY 1144.45 FEET TO THE POINT OF BEGINNING THENCE EASTER |
| 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 |
Source: Santa Rosa County records, as of January 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 2235 TOM ST, NAVARRE, FL 32566-3343 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 2, 2022 | Warranty Deed, Transfer · VA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Apr 29, 2019 | Warranty Deed, Subdivision Related Transfer · VA Mortgage MORTGAGE ONE/SOUTH |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 2, 2022 · Amount on Record |
| Deed Sale | Sep 2, 2022 · Amount on Record |
| Prior Sale | Apr 29, 2019 · Amount on Record |
| Deed Document Number | 202251377 |
| Deed Book / Page | 4323 / 369 |
| Prior Transfer Date | Aug 16, 2017 |
| Prior Transfer Doc | 0036530974 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Sep 2, 2022 |
| Property Address | 2235 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0043230369 |
| Book / Page | 4323 / 369 |
| Instrument Date | Sep 2, 2022 |
| Instrument | 202251377 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2022 |
| Title Company | PENSACOLA TITLE CO LLC, PENSACOLA TITLE COMPANY LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,625.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1613 E CONCORD ST, 1613, BROKEN ARROW, OK 74012-9574 |
| Name | Verified Name |
|---|---|
| Address | 2235 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0004323373 |
|---|---|
| Date | Sep 2, 2022 |
| Instrument | 4323/373 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 29, 2019 |
| Property Address | 2235 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0038240163 |
| Book / Page | 003824 / 000163 |
| Instrument Date | Apr 25, 2019 |
| Instrument | 17175 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 1, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,784.30 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2235 TOM ST NAVARRE FL 32566, NAVARRE, FL 32566 |
| Document Number | 38240165 |
|---|---|
| Date | Apr 29, 2019 |
| Book Page | 003824/000165 |
| Instrument | 17176 |
| Name | MORTGAGE ONE/SOUTH |
|---|---|
| Type | Mortgage Company |
| Address | FORT WALTON BEACH, FL 32548 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 28, 2049 |
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 | $294,352 (+2.9%) | $294,762 (+3.04%) Land $36,000 Building $258,762 | |
| 2024 | $2,975.00 (-7.67%) Homeowner's exemption | $286,056 (-6.02%) Land $33,000 Building $253,056 | $286,056 (-6.02%) Land $33,000 Building $253,056 |
| 2023 | $3,222.00 (+46.06%) Homeowner's exemption | $304,395 (+41.35%) Land $30,000 Building $274,395 | $304,395 (+11.84%) Land $30,000 Building $274,395 |
| 2022 | $2,206.00 Homeowner's exemption | $215,354 | $272,166 Land $27,000 Building $245,166 |
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 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.
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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