Santa Rosa County property record for 2251 Tom St, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,996 sqft · built 2019 |
| Lot Size | 0.149 acres (6,490 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $355,000 (Oct 2021) |
| Tax Bill | $3,800 (2024) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage Feb 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-2S-26-0780-0QQ00-1140 |
| Primary APN | 21-2S-26-0780-0QQ00-1140 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,996 sqft Living Area |
| Gross Area | 2,646 sqft |
| 1st Floor Area | 1,996 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 6,490 sqft (0.149 acres) |
| Lot Dimensions | 125 ft deep x 52 ft wide |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
| Porch Area | 144 sqft |
| Deck Area | 126 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2251 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 PORT OF LOT QQ: COMMENCING AT NORTHEAST CORNER OF LOT QQ CRESCENT SHORES SUB (PB A PG 70) THENCE GO WESTERLY 772.8 FEET; THENCE SOUTHERLY 836.45 FEET TO POINT OF BEGINNING; CONTINUE SOUTHERLY 52 FEET; THENCE EASTERLY 125.00 TO W R/W O |
| 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 |
2251 Tom St is owned and occupied by two individuals who bought it in October 2021.
Source: Santa Rosa County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2251 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 6, 2021 | Warranty Deed, Transfer · VA Mortgage TRIDENT HOME LOANS LLC |
| Feb 21, 2020 | Deed of Trust, Mortgage · VA Mortgage UNIVERSITY LNDG |
| Apr 30, 2019 | Warranty Deed, Subdivision Related Transfer · VA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC |
| Sep 27, 2018 | Warranty Deed, Transfer FIRST AMERICAN TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 6, 2021 · Amount on File |
| Deed Sale | Oct 6, 2021 · Amount on File |
| Prior Sale | Apr 30, 2019 · Amount on File |
| Deed Document Number | 202166932 |
| Deed Book / Page | 4189 / 1491 |
| 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 | Oct 6, 2021 |
| Property Address | 2251 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0041891491 |
| Book / Page | 4189 / 1491 |
| Instrument Date | Oct 1, 2021 |
| Instrument | 202166932 |
| Transaction Type | Transfer |
| Record Updated | Nov 8, 2021 |
| Title Company | RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,485.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10966 LAKECREST DR, 10966, SANGER, TX 76266-3440 |
| Name | Verified Name |
|---|---|
| Address | 2251 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 41891493 |
|---|---|
| Date | Oct 6, 2021 |
| Instrument | 4189/1493 |
| Name | TRIDENT HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2251 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0039231439 |
| Instrument Date | Feb 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2251 TOM ST NAVARRE FL 325663343, NAVARRE, FL 32566-3343 |
| Document Number | 0039231439 |
|---|---|
| Date | Feb 28, 2020 |
| Book Page | 003923/001439 |
| Instrument | 9737 |
| Name | UNIVERSITY LNDG |
|---|---|
| Address | SOUTHFIELD, MI 48034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 27, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 30, 2019 |
| Property Address | 2251 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0038241533 |
| Book / Page | 3824 / 1533 |
| Instrument Date | Apr 26, 2019 |
| Instrument | 201917526 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 2, 2022 |
| Title Company | MEAD LAW & TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,784.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 2492, FORT WALTON BEACH, FL 32549-2492 |
| Name | Verified Name |
|---|---|
| Address | 2251 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0038241535 |
|---|---|
| Date | Apr 30, 2019 |
| Instrument | 3824/1535 |
| Name | PRIMARY RESIDENTIAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Sep 27, 2018 |
| Property Address | 2251 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0037691545 |
| Book / Page | 003769 / 001545 |
| Instrument Date | Sep 25, 2018 |
| Instrument | 41736 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| 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 |
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 | $329,107 (+2.97%) Land $37,440 Building $291,667 | $329,107 (+2.97%) Land $37,440 Building $291,667 | |
| 2024 | $3,800.00 (-6.38%) | $319,607 (-6.18%) Land $34,320 Building $285,287 | $319,607 (-6.18%) Land $34,320 Building $285,287 |
| 2023 | $4,059.00 (+9.64%) | $340,661 (+11.84%) Land $31,200 Building $309,461 | $340,661 (+11.84%) Land $31,200 Building $309,461 |
| 2022 | $3,702.00 | $304,593 | $304,593 Land $28,080 Building $276,513 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2251 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 2251 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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