Santa Rosa County property record for 2243 Tom St, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,996 sqft · built 2018 |
| Lot Size | 0.149 acres (6,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $259,900 (Jun 2018) |
| Tax Bill | $2,228 (2024) |
| Deeds & Mortgages | Oct 2020 Mortgage Jun 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-2S-26-0780-0QQ00-1480 |
| Primary APN | 21-2S-26-0780-0QQ00-1480 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,996 sqft Heated Area |
| Gross Area | 2,674 sqft |
| 1st Floor Area | 2,376 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 6,500 sqft (0.149 acres) |
| Lot Dimensions | 1,250 ft deep x 520 ft wide |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 144 sqft |
| Patio Area | 154 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 212S2607800QQ001480 |
|---|---|
| Street Address | 2243 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 PARCEL D COM AT NE CORN OF LOT QQ THN W 772.8 FT THN S 940.45 FT TO POB THN S 52 FT THN E 125 FT TO W R/W OF |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 21 |
| Legal Subdivision | CRESCENT SHORES |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 10828 |
2243 Tom St is owned and occupied by two individuals who bought it in June 2018.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2243 TOM ST, NAVARRE, FL 32566-3343 |
| 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.
| Date | Document |
|---|---|
| Oct 29, 2020 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC |
| Jun 8, 2018 | Warranty Deed, Subdivision Related Transfer · VA Mortgage MORTGAGE ONE/SOUTH |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 8, 2018 · Amount on File |
| Deed Sale | Jun 8, 2018 · Amount on File |
| Prior Sale | Aug 30, 2017 · Amount on File |
| Deed Document Number | 201823957 |
| Deed Book / Page | 3736 / 0356 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2243 TOM ST, NAVARRE, FL 32566-3343 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0040210939 |
|---|---|
| Date | Oct 29, 2020 |
| Book Page | 4021/939 |
| Instrument | 202056703 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jun 8, 2018 |
| Property Address | 2243 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0037360356 |
| Book / Page | 003736 / 000356 |
| Instrument Date | Jun 6, 2018 |
| Instrument | 23957 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 9, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,819.30 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2243 TOM ST NAVARRE FL 325663343, NAVARRE, FL 32566-3343 |
| Document Number | 37360358 |
|---|---|
| Date | Jun 8, 2018 |
| Book Page | 003736/000358 |
| Instrument | 23958 |
| Name | MORTGAGE ONE/SOUTH |
|---|---|
| Type | Mortgage Company |
| Address | FORT WALTON BEACH, FL 32548 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 7, 2048 |
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 | $2,228.00 (+2.39%) Homeowner's exemption | $219,534 (+3%) | $309,866 (-6.14%) Land $34,320 Building $275,546 |
| 2023 | $2,176.00 (+3.42%) Homeowner's exemption | $213,140 (+3.52%) | $330,141 (+12.19%) Land $31,200 Building $298,941 |
| 2022 | $2,104.00 Homeowner's exemption | $205,899 | $294,282 Land $28,080 Building $266,202 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2243 Tom St in Zone X, an area of minimal flood risk, though there have been 4 flood claims 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 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.
Wildfire risk around 2243 Tom St is low, with a 0.02% annual chance of wildfire.
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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