2260 Tom St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2260 Tom St, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,740 sqft · built 2020
Lot Size	0.143 acres (6,229 sqft)
Owner	2 Individual Names on File
Last Sale	$262,000 (May 2020)
Tax Bill	$2,582 (2024)
Deeds & Mortgages	May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-2S-26-0780-0QQ89-0000`

Property Details

APN / Parcel Number

Primary APN	`21-2S-26-0780-0QQ89-0000`
Alternative APN	`S2622107800QQ890000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,740 sqft Living Area
Gross Area	2,482 sqft
1st Floor Area	1,740 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
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	499 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2260 TOM ST
City	NAVARRE
State	FL
Zip	32566-3342
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2M
Legal Description	NEW DESCRIPITON FOR 2017 CRESCENT SHORES PORTION OF LOT QQ PARCEL 3: COM AT NE CORNER OF LOT QQ THN W ON N LOT LN 472.8 FT THN S 644.45 FT TO POB THN W 125 FT THN S 50 FT THN E 125 FT THN N 50 FT TO POB AS DES IN OR 3947 PG 808 (REM NOW QQ-150 & 15
Legal Range	26W
Legal Township	2S
Legal Section	21
Legal Subdivision	CRESCENT SHORES
Legal Lot Number	QQ
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1004
Census Tract	10828

Owner

2260 Tom St is owned and occupied by two individuals who bought it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	2260 TOM ST, NAVARRE, FL 32566-3342
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2020 · Amount on File
Deed Sale	May 5, 2020 · Amount on File
Prior Sale	Aug 30, 2019 · Amount on File
Deed Document Number	202021302
Deed Book / Page	3947 / 808
Prior Transfer Date	Aug 16, 2017
Prior Transfer Doc	0036530974
Record Updated	Jun 8, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 5, 2020
Property Address	2260 TOM ST, NAVARRE, FL 32566-3342
Document Number	0039470808
Book / Page	3947 / 808
Instrument Date	May 1, 2020
Instrument	202021302
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	FIRST NATL LAND TTL CO INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,834.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2250 TOM ST, 2250, NAVARRE, FL 32566-3342

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2260 TOM ST, NAVARRE, FL 32566-3342

Mortgage

Document Number	0039470814
Date	May 5, 2020
Book Page	3947/814
Instrument	202021305

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

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		$258,401 (+2.9%)	$307,280 (+3.79%) Land $45,000 Building $262,280
2024	$2,582.00 (+2.22%) Homeowner's exemption	$251,119 (+3%)	$296,073 (-5.65%) Land $41,250 Building $254,823
2023	$2,526.00 (+2.72%) Homeowner's exemption	$243,805 (+3%)	$313,815 (+12.1%) Land $37,500 Building $276,315
2022	$2,459.00 Homeowner's exemption	$236,704	$279,944 Land $33,750 Building $246,194

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2260 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	Hurricane Sally, Sep 2020 · 2 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 2 claims

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

Wildfire risk around 2260 Tom St is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 421 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20