2275 Moray Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2275 Moray Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,962 sqft · built 2010
Lot Size	0.55 acres (23,958 sqft)
Owner	Individual Name on Record
Last Sale	$480,000 (May 2023)
Tax Bill	$5,021 (2024)
Deeds & Mortgages	May 2023 Sale & Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-2S-26-1920-21800-0430`

Property Details

APN / Parcel Number

Primary APN	`18-2S-26-1920-21800-0430`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,962 sqft Heated Area
Gross Area	3,740 sqft
1st Floor Area	3,382 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	23,958 sqft (0.55 acres)
Lot Dimensions	2,000 ft deep x 1,200 ft wide
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	358 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	182S261920218000430
Street Address	2275 MORAY DR
City	NAVARRE
State	FL
Zip	32566-7790
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HOLLEY BY THE SEA LOT 43 BLK 218 AS DES IN OR 4400 PG 982
Legal Range	26W
Legal Township	02S
Legal Section	18
Legal Subdivision	BY THE SEA
Legal Block	218
Legal Lot Number	43
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	2
Census Block	2022
Census Tract	10822

Owner

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
Co-owner	Co-owner on Record
Mailing Address	2275 MORAY DR, NAVARRE, FL 32566-7790
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2023	Warranty Deed, Transfer · VA Mortgage WELLS FARGO BANK NA
May 1, 2019	Warranty Deed, Transfer · VA Mortgage CHURCHILL MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2023 · Amount on Record
Deed Sale	May 31, 2023 · Amount on Record
Prior Sale	May 1, 2019 · Amount on Record
Deed Document Number	202323985
Deed Book / Page	4400 / 982
Record Updated	Jun 8, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 31, 2023
Property Address	2275 MORAY DR, NAVARRE, FL 32566-7790
Document Number	0044000982
Book / Page	4400 / 982
Map Reference	MB B PG 155 SH 17
Instrument Date	May 18, 2023
Instrument	202323985
Transaction Type	Transfer
Record Updated	Jun 28, 2023
Title Company	MEAD LAW AND TITLE, MEAD LAW & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9128 RIDGE RD, ARVONIA, VA 23004-2251

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2275 MORAY DR, NAVARRE, FL 32566-7790

Mortgage

Document Number	0004400984
Date	May 31, 2023
Instrument	4400/984

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 1, 2019
Property Address	2275 MORAY DR, NAVARRE, FL 32566-7790
Document Number	0038241819
Book / Page	003824 / 001819
Instrument Date	Apr 30, 2019
Instrument	17579
Transaction Type	Transfer
Record Updated	Jun 28, 2019
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,434.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2275 MORAY DR NAVARRE FL 325667790, NAVARRE, FL 32566-7790

Mortgage

Document Number	38241821
Date	May 1, 2019
Book Page	003824/001821
Instrument	17580

Lender

Name	CHURCHILL MTG
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 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	$5,021.00 (-5.12%) Homeowner's exemption	$458,063 (-0.4%) Land $75,000 Building $383,063	$458,063 (-0.4%) Land $75,000 Building $383,063
2023	$5,292.00 (+8.38%)	$459,907 (+9.22%) Land $71,500 Building $388,407	$459,907 (+9.22%) Land $71,500 Building $388,407
2022	$4,883.00	$421,068	$421,068 Land $55,000 Building $366,068

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

Flood

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 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

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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