Santa Rosa County property record for 2270 Tom St, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,703 sqft · built 2021 |
| Lot Size | 0.143 acres (6,229 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $313,500 (Sep 2021) |
| Tax Bill | $2,904 (2024) |
| Deeds & Mortgages | Oct 2023 Second Mortgage Apr 2021 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-2S-26-0780-0QQ00-1030 |
| Primary APN | 21-2S-26-0780-0QQ00-1030 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,703 sqft Living Area |
| Gross Area | 2,459 sqft |
| 1st Floor Area | 1,703 sqft |
| Flooring | Wood |
| Interior Walls | Paneling |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Mobile Home |
| 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 |
| View / Lot | Mobile Home |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 113 sqft |
| Deck Area | 36 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2270 TOM ST |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-3342 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2M |
| Legal Description | CRESCENT SHORES PORT OF LOT QQ DES AS: COM AT NE CORNER OF LOT QQ THN W 472.8 FT THN SLY 494.45 FT TO POB THN WLY 125 FT THN SLY 50 FT THN ELY 125 FT THN NLY 50 FT TO POB (ALSO KNOWN AS PORT OF LOT 21 UNREC POPE SUB) AS DES IN OR 4172 PG 616 (& PER S |
| 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 | 1004 |
| Census Tract | 10828 |
2270 Tom St is owned and occupied by two individuals who bought it in September 2021.
Source: Santa Rosa County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 972 BROADWAY DR, HURLBURT FLD, FL 32544-1095 |
| 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 10, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage GTE FCU |
| Apr 7, 2021 | Deed of Trust, Mortgage · Construction Mortgage FNBT BANK |
| Sep 1, 2021 | Warranty Deed, Transfer · VA Mortgage BROKER SOLUTIONS INC |
| Dec 21, 2020 | Warranty Deed, Transfer MEAD LAW AND TITLE, MEAD LAW & TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 2021 · Amount on File |
| Deed Sale | Sep 1, 2021 · Amount on File |
| Prior Sale | Dec 21, 2020 · Amount on File |
| Deed Document Number | 202158773 |
| Deed Book / Page | 4172 / 616 |
| Prior Transfer Date | Jan 6, 2021 |
| Prior Transfer Doc | 0040560764 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2270 TOM ST, NAVARRE, FL 32566-3342 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2024 |
| Name | Verified Name |
|---|---|
| Address | 2270 TOM ST, NAVARRE, FL 32566-3342 |
| Document Number | 0044411016 |
|---|---|
| Date | Oct 10, 2023 |
| Book Page | 4441/1016 |
| Instrument | 202345847 |
| Name | GTE FCU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33602 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 84 Months |
| Due | Oct 1, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2270 TOM ST, NAVARRE, FL 32566-3342 |
| Transaction Type | Mortgage |
| Record Updated | Mar 14, 2023 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | PO BOX 2352, FT WALTON BCH, FL 32549-2352 |
| Document Number | 0040991370 |
|---|---|
| Date | Apr 7, 2021 |
| Book Page | 4099/1370 |
| Instrument | 202122737 |
| Name | FNBT BANK |
|---|---|
| Type | Bank |
| Address | FORT WALTON BEACH, FL 32549 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Sep 1, 2021 |
| Property Address | 2270 TOM ST, NAVARRE, FL 32566-3342 |
| Document Number | 0041720616 |
| Book / Page | 4172 / 616 |
| Instrument Date | Aug 31, 2021 |
| Instrument | 202158773 |
| Transaction Type | Transfer |
| Record Updated | Mar 14, 2023 |
| Title Company | WFT NATIONAL TITLE, WFG NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,194.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 32 EGLIN STB, FORT WALTON BEACH, FL 32547 |
| Name | Verified Name |
|---|---|
| Address | 2270 TOM ST, NAVARRE, FL 32566-3342 |
| Document Number | 0004172618 |
|---|---|
| Date | Sep 1, 2021 |
| Instrument | 4172/618 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Dec 21, 2020 |
| Property Address | 2270 TOM ST, NAVARRE, FL 32566-3342 |
| Document Number | 0040460305 |
| Book / Page | 004046 / 000305 |
| Instrument Date | Dec 18, 2020 |
| Instrument | 69242 |
| Transaction Type | Transfer |
| Record Updated | Jan 25, 2021 |
| Title Company | MEAD LAW AND TITLE, MEAD LAW & TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $476.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 32 EGLIN ST FORT WALTON BEACH FL 325472726, FORT WALTON BEACH, FL 32547-2726 |
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 | $287,388 (+2.9%) | $289,518 (+3.22%) Land $36,000 Building $253,518 | |
| 2024 | $2,904.00 (+2.15%) Homeowner's exemption | $279,289 (+3%) | $280,484 (-5.78%) Land $33,000 Building $247,484 |
| 2023 | $2,843.00 (+2.6%) Homeowner's exemption | $271,154 (+3%) | $297,706 (+13.09%) Land $30,000 Building $267,706 |
| 2022 | $2,771.00 Homeowner's exemption | $263,256 | $263,256 Land $27,000 Building $236,256 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2270 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 2270 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.
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 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 |
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