Santa Rosa County property record for 2245 Tom St, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,939 sqft · built 2018 |
| Lot Size | 0.149 acres (6,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $410,000 (Jul 2022) |
| Tax Bill | $3,703 (2024) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage Oct 2020 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-2S-26-0780-0QQ00-1100 |
| Primary APN | 21-2S-26-0780-0QQ00-1100 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,939 sqft Heated Area |
| Gross Area | 2,670 sqft |
| 1st Floor Area | 2,339 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 | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 223 sqft |
| Patio Area | 108 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 212S2607800QQ001100 |
|---|---|
| Street Address | 2245 TOM ST |
| City | NAVARRE |
| State | FL |
| Zip | 32566-3343 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2M |
| Legal Description | *DESCRPTION UPDATE FOR 2022* CRESCENT SHORES PARCEL C COM AT NE CORN OF LOT QQ THN W 772.8 FT THN S 888.45 FT TO POB THN S 52 |
| 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 |
Source: Santa Rosa County records, as of October 27, 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 | 2245 TOM ST, NAVARRE, FL 32566-3343 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 11, 2022 | Warranty Deed, Transfer · VA Mortgage PENTAGON FCU |
| Oct 30, 2020 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Oct 19, 2018 | Warranty Deed, Subdivision Related Transfer · VA Mortgage MORTGAGE ONE/SOUTH |
| Sep 28, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Jun 6, 2018 | Warranty Deed, Transfer MEAD LAW AND TITLE |
| Aug 25, 2017 | Loan Modification, Mortgage · Line of Credit S R WALTON |
| Aug 23, 2013 | Loan Modification, Mortgage · Line of Credit S R & NADINE K WALTON |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 11, 2022 · Amount on Record |
| Deed Sale | Jul 11, 2022 · Amount on Record |
| Prior Sale | Oct 19, 2018 · Amount on Record |
| Deed Document Number | 202240741 |
| Deed Book / Page | 4304 / 997 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jul 11, 2022 |
| Property Address | 2245 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0043040997 |
| Book / Page | 4304 / 997 |
| Instrument Date | Jul 8, 2022 |
| Instrument | 202240741 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | NOT AVAILABLE, BRADLEY TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,870.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2245 TOM ST, 2245, NAVARRE, FL 32566-3343 |
| Name | Verified Name |
|---|---|
| Address | 7381 NAVARRE PKWY UNIT 1204, 1204, NAVARRE, FL 32566-7490 |
| Document Number | 0043041000 |
|---|---|
| Date | Jul 11, 2022 |
| Instrument | 4304/1000 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2245 TOM ST, NAVARRE, FL 32566-3343 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WFG NATIONAL TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 2245 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0040220543 |
|---|---|
| Date | Oct 30, 2020 |
| Book Page | 4022/543 |
| Instrument | 202057138 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Oct 19, 2018 |
| Property Address | 2245 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0037751535 |
| Book / Page | 003775 / 001535 |
| Instrument Date | Oct 17, 2018 |
| Instrument | 45101 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 6, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,896.30 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2245 TOM ST NAVARRE FL 325663343, NAVARRE, FL 32566-3343 |
| Document Number | 37751537 |
|---|---|
| Date | Oct 19, 2018 |
| Book Page | 003775/001537 |
| Instrument | 45102 |
| Name | MORTGAGE ONE/SOUTH |
|---|---|
| Type | Mortgage Company |
| Address | FORT WALTON BEACH, FL 32548 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 18, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Sep 28, 2018 |
| Property Address | 2245 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0037700694 |
| Book / Page | 003770 / 000694 |
| Instrument Date | Sep 25, 2018 |
| Instrument | 42038 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $210.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 2492 FORT WALTON BEACH FL 325492492, FORT WALTON BEACH, FL 32549-2492 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jun 6, 2018 |
| Property Address | 2245 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0037341947 |
| Book / Page | 003734 / 001947 |
| Instrument Date | May 23, 2018 |
| Instrument | 23192 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2018 |
| Title Company | MEAD LAW AND TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $210.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 2492 FORT WALTON BEACH FL 325492492, FORT WALTON BEACH, FL 32549-2492 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2245 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0037700701 |
| Instrument Date | Aug 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | POST #2492 FORT WALTON BEACH FL 32549, 2492, FORT WALTON BEACH, FL 32549 |
| Investor | Possibly a Property Investor |
| Document Number | 0037700701 |
|---|---|
| Date | Sep 28, 2018 |
| Book Page | 003770/000701 |
| Instrument | 42041 |
| Name | S R WALTON |
|---|---|
| Address | 517 POCAHONTAS DR, FORT WALTON BEACH, FL 32547-3220 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2245 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0037691547 |
| Instrument Date | Aug 23, 2013 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 2492 FORT WALTON BEACH FL 325492492, FORT WALTON BEACH, FL 32549-2492 |
| Investor | Possibly a Property Investor |
| Document Number | 0037691547 |
|---|---|
| Date | Sep 27, 2018 |
| Book Page | 003769/001547 |
| Instrument | 41737 |
| Name | S R & NADINE K WALTON |
|---|---|
| Address | 517 POCAHONTAS DR, FORT WALTON BEACH, FL 32547-3220 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $3,703.00 (-7.01%) | $310,828 (-6.05%) Land $34,320 Building $276,508 | $310,828 (-6.05%) Land $34,320 Building $276,508 |
| 2023 | $3,982.00 (+15.72%) | $330,861 (+11.95%) Land $31,200 Building $299,661 | $330,861 (+11.95%) Land $31,200 Building $299,661 |
| 2022 | $3,441.00 | $295,542 | $295,542 Land $28,080 Building $267,462 |
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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