2238 Pepper Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2238 Pepper Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,854 sqft · built 2022
Lot Size	0.711 acres (30,971 sqft)
Owner	Individual Name on Record
Last Sale	$381,000 (Feb 2022)
Tax Bill	$3,581 (2024)
Deeds & Mortgages	Nov 2021 Construction Loan Oct 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18-2S-26-1920-21800-0260`

Property Details

APN / Parcel Number

Primary APN	`18-2S-26-1920-21800-0260`
Alternative APN	`S262181920218000260`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,854 sqft Living Area
Gross Area	2,658 sqft
1st Floor Area	1,854 sqft
Flooring	Wood

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Brick
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	30,971 sqft (0.711 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2238 PEPPER DR
City	NAVARRE
State	FL
Zip	32566-7797
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HOLLEY BY THE SEA LOT 26 BLK 218 AS DES IN OR 4251 PG 1214 & AS DES IN OR 4297 PG 620 TH N & E PORT NOW SBJT TO A CONSERVATION ESMNT AS DES IN OR 4336 PG 1782
Legal Range	26W
Legal Township	2S
Legal Section	18
Legal Subdivision	HOLLEY SEA/1ST AMD
Legal Block	218
Legal Lot Number	26
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	2
Census Block	2006
Census Tract	10822

Owner

Source: Santa Rosa County records, as of December 8, 2025

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	2238 PEPPER DR, NAVARRE, FL 32566-7797
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2021	Deed of Trust, Mortgage · Construction Mortgage TRUSTMARK NATIONAL BANK
Oct 18, 2022	Intrafamily Transfer, Transfer
Jun 21, 2022	Intrafamily Transfer, Transfer
Feb 28, 2022	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Dec 29, 2020	Warranty Deed, Transfer · Balloon Mortgage GOODEN INVESTMENT HOLDINGS LP LLLP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2022 · Amount on Record
Deed Sale	Feb 28, 2022 · Amount on Record
Prior Sale	Dec 29, 2020 · Amount on Record
Deed Document Number	202211798
Deed Book / Page	4251 / 1214
Last Transfer Date	Oct 18, 2022
Transfer Doc	0043361782
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2238 PEPPER DR, NAVARRE, FL 32566-7797
Transaction Type	Mortgage
Record Updated	Mar 14, 2023
Title Company	NOT AVAILABLE, GENESIS LAND AND TTL CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1300 E OLIVE RD, PENSACOLA, FL 32514-4820
Investor	Possibly a Property Investor

Mortgage

Document Number	0042041276
Date	Nov 5, 2021
Book Page	4204/1276
Instrument	202174630

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	PENSACOLA, FL 32502

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	Oct 18, 2022
Property Address	2238 PEPPER DR, NAVARRE, FL 32566-7797
Document Number	0043361782
Book / Page	4336 / 1782
Map Reference	MB B PG 155
Instrument Date	Oct 18, 2022
Instrument	202259267
Transaction Type	Transfer
Record Updated	Mar 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	928 EAGLE WAY, NORTH SALT LAKE, UT 84054-3330
Investor	Possibly a Property Investor

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 21, 2022
Property Address	2238 PEPPER DR, NAVARRE, FL 32566-7797
Document Number	0042970620
Book / Page	4297 / 620
Map Reference	MB B PG 155
Instrument Date	Jun 16, 2022
Instrument	202236906
Transaction Type	Transfer
Record Updated	Mar 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	928 EAGLE WAY, NORTH SALT LAKE, UT 84054-3330
Investor	Possibly a Property Investor

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Feb 28, 2022
Property Address	2238 PEPPER DR, NAVARRE, FL 32566-7797
Document Number	0042511214
Book / Page	4251 / 1214
Map Reference	MB B PG 155
Instrument Date	Feb 25, 2022
Instrument	202211798
Transaction Type	Transfer
Record Updated	Mar 14, 2023
Title Company	GENESIS LAND & TITLE CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,667.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1300 E OLIVE RD, PENSACOLA, FL 32514-4820

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2238 PEPPER DR, NAVARRE, FL 32566-7797

Mortgage

Document Number	0042511216
Date	Feb 28, 2022
Instrument	4251/1216

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 29, 2020
Property Address	2238 PEPPER DR, NAVARRE, FL 32566-7797
Document Number	0040482013
Book / Page	4048 / 2013
Map Reference	MB B PG 155
Instrument Date	Dec 17, 2020
Instrument	202070433
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	SURETY LAND TITLE OF FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$385.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7 SUGAR BOWL LN, 7, PENSACOLA BEACH, FL 32561-2452

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1300 E OLIVE RD, PENSACOLA, FL 32514-4820

Mortgage

Document Number	0040482014
Date	Dec 29, 2020
Instrument	4048/2014

Lender

Name	GOODEN INVESTMENT HOLDINGS LP LLLP
Type	Non-Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

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
2025		$347,452 (+2.9%)	$348,953 (+1.98%) Land $71,250 Building $277,703
2024	$3,581.00 (+1.99%) Homeowner's exemption	$337,660 (+3%)	$342,162 (+4.37%) Land $71,250 Building $270,912
2023	$3,511.00 (+398.72%)	$327,825 (+590.16%) Land $61,750 Building $266,075	$327,825 (+590.16%) Land $61,750 Building $266,075
2022	$704.00	$47,500	$47,500 Land $47,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 199 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	199 in force
Nearby Flood Claims	2 (2004–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2024 · Hurricane Helene

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

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

Wildfire Risk	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 94 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 · Fiber in parts of the area	1,000 / 50

May also be available: LiveOak Fiber.

Nearby Properties on Pepper Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures