2272 Moray Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2272 Moray Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,382 sqft · built 2012
Lot Size	0.519 acres (22,651 sqft)
Owner	2 Individual Names on File
Last Sale	$335,000 (May 2019)
Tax Bill	$3,053 (2024)
Deeds & Mortgages	Feb 2017 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-2S-26-1921-01500-0060`

Property Details

APN / Parcel Number

Primary APN	`18-2S-26-1921-01500-0060`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,382 sqft Heated Area
Gross Area	3,271 sqft
1st Floor Area	3,042 sqft
Flooring	Ceramic Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	22,651 sqft (0.519 acres)
Lot Dimensions	1,800 ft deep x 1,260 ft wide
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
RV Parking	RV Parking

Exterior Amenities

Porch	Open Porch
Porch Area	229 sqft
Shed	1 Shed
Shed Area	1 sqft
Gazebo	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	182S261921015000060
Street Address	2272 MORAY DR
City	NAVARRE
State	FL
Zip	32566-7789
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HOLLEY BY THE SEA 2ND CORR & AMENDED LOT 6 BLK 15 AS DES IN OR 3827 PG 1853
Legal Range	26W
Legal Township	02S
Legal Section	18
Legal Subdivision	BY THE SEA
Legal Block	15
Legal Lot Number	6
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	2
Census Block	2022
Census Tract	10822

Owner

2272 Moray Dr is owned and occupied by two individuals who bought it in May 2019.

Source: Santa Rosa County records, as of October 27, 2025

Owner of Record	2 Individual Names on File
Mailing Address	2272 MORAY DR, NAVARRE, FL 32566-7789
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

Date	Document
Feb 2, 2017	Deed of Trust, Mortgage · VA Mortgage PACIFIC UNION FINANCIAL LLC
Mar 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 13, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
May 9, 2019	Warranty Deed, Transfer · Conventional with PMI PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2019 · Amount on File
Deed Sale	May 9, 2019 · Amount on File
Prior Sale	Jun 5, 2012 · Amount on File
Deed Document Number	201919187
Deed Book / Page	3827 / 1853
Record Updated	Jun 8, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2272 MORAY DR, NAVARRE, FL 32566-7789
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035951489
Date	Feb 2, 2017
Book Page	3595/1489
Instrument	201704148

Lender

Name	PACIFIC UNION FINANCIAL LLC
Type	Lending Institution
Address	IRVING, TX 75063

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2047

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2272 MORAY DR, NAVARRE, FL 32566-7789
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040960066
Date	Mar 31, 2021
Book Page	4096/66
Instrument	202121100

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2272 MORAY DR, NAVARRE, FL 32566-7789
Document Number	0039501707
Instrument Date	Apr 13, 2020
Transaction Type	Mortgage
Record Updated	Jun 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2272 MORAY DR NAVARRE FL 325667789, NAVARRE, FL 32566-7789

Mortgage

Document Number	0039501707
Date	May 14, 2020
Book Page	003950/001707
Instrument	22896

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	May 13, 2040

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 9, 2019
Property Address	2272 MORAY DR, NAVARRE, FL 32566-7789
Document Number	0038271853
Book / Page	003827 / 001853
Instrument Date	Apr 16, 2019
Instrument	19187
Transaction Type	Transfer
Record Updated	Jun 28, 2019
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,345.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2272 MORAY DR NAVARRE FL 325667789, NAVARRE, FL 32566-7789

Mortgage

Document Number	38271856
Date	May 9, 2019
Book Page	003827/001856
Instrument	19188

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 8, 2049

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

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
2024	$3,053.00 (+2.21%) Homeowner's exemption	$287,691 (+3%)	$400,084 (+2.58%) Land $78,750 Building $321,334
2023	$2,987.00 (+2.65%) Homeowner's exemption	$279,312 (+3%)	$390,038 (+7.52%) Land $71,500 Building $318,538
2022	$2,910.00 Homeowner's exemption	$271,177	$362,771 Land $55,000 Building $307,771

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

Flood

FEMA maps place 2272 Moray Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2004.

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 199 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	199 in force
Nearby Flood Claims	2 (2004–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2024 · Hurricane Helene

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 2272 Moray Dr is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 62% of the US · lower than 62% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50

May also be available: LiveOak Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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