2279 Valley Rd, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2279 Valley Rd, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,602 sqft · built 2019
Lot Size	0.506 acres (22,041 sqft)
Owner	2 Individual Names on File
Last Sale	$341,800 (Sep 2019)
Tax Bill	$245 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Sep 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-2S-26-1920-12400-0040`

Property Details

APN / Parcel Number

Primary APN	`18-2S-26-1920-12400-0040`
Alternative APN	`S262181920124000040`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,602 sqft Living Area
Gross Area	3,478 sqft
1st Floor Area	1,860 sqft
Upper Floors Area	742 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	22,041 sqft (0.506 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	456 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2279 VALLEY RD
City	NAVARRE
State	FL
Zip	32566-8725
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HOLLEY BY THE SEA LOT 4 BLK 124 AS DES IN OR 3870 PG 1416
Legal Range	26W
Legal Township	2S
Legal Section	18
Legal Subdivision	HOLLEY SEA/1ST AMD
Legal Block	124
Legal Lot Number	4
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	2
Census Block	2015
Census Tract	10820

Owner

2279 Valley Rd is owned and occupied by two individuals who bought it in September 2019.

Source: Santa Rosa County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2279 VALLEY RD, NAVARRE, FL 32566-8725
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
Dec 6, 2021	Deed of Trust, Mortgage · VA Mortgage HOMETOWN LENDERS INC
Sep 17, 2019	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Feb 5, 2019	Loan Modification, Mortgage · Line of Credit REGIONS BK
Nov 21, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2019 · Amount on File
Deed Sale	Sep 17, 2019 · Amount on File
Prior Sale	Nov 21, 2018 · Amount on File
Deed Document Number	201941415
Deed Book / Page	3870 / 1416
Prior Transfer Date	May 14, 1997
Prior Transfer Doc	1610000649
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2279 VALLEY RD, NAVARRE, FL 32566-8725
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	CITIZENS TITLE COMPANY, CITIZENS TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2279 VALLEY RD, NAVARRE, FL 32566-8725

Mortgage

Document Number	0042170043
Date	Dec 6, 2021
Book Page	4217/43
Instrument	202180834

Lender

Name	HOMETOWN LENDERS INC
Type	Mortgage Company
Address	HUNTSVILLE, AL 35806

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

September 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 17, 2019
Property Address	2279 VALLEY RD, NAVARRE, FL 32566-8725
Document Number	0038701416
Book / Page	3870 / 1416
Map Reference	MB B PG 155
Instrument Date	Sep 13, 2019
Instrument	201941415
Transaction Type	Subdivision Related Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,392.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2279 VALLEY RD, NAVARRE, FL 32566-8725

Mortgage

Document Number	0038701419
Date	Sep 17, 2019
Instrument	3870/1419

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA ROSA FL
Recording Date	Feb 5, 2019
Property Address	2279 VALLEY RD, NAVARRE, FL 32566-8725
Document Number	0038011292
Book / Page	003801 / 001292
Instrument Date	Feb 1, 2019
Instrument	4334
Transaction Type	Mortgage
Record Updated	Mar 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	38011292
Date	Feb 5, 2019
Book Page	003801/001292
Instrument	4334

Lender

Name	REGIONS BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 21, 2018
Property Address	2279 VALLEY RD, NAVARRE, FL 32566-8725
Document Number	0037841082
Book / Page	003784 / 001082
Instrument Date	Nov 21, 2018
Instrument	49880
Transaction Type	Transfer
Record Updated	Jan 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$385.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3000 GULF BREEZE PKWY GULF BREEZE FL 325635623, GULF BREEZE, FL 32563-5623
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 2279 Valley Rd was $245 with exemptions applied, up 7.5% from the year before.

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	$245.00 (+7.46%) Homeowner's exemption Veteran's exemption	$363,829 (+2.9%)	$494,364 (+7.62%) Land $75,000 Building $419,364
2024	$228.00 (+7.55%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$353,575 (+3%)	$459,375 (+3.05%) Land $75,000 Building $384,375
2023	$212.00 (+6.53%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed	$343,277 (+9.12%)	$445,779 (+11.5%) Land $65,000 Building $380,779
2022	$199.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed	$314,595	$399,813 Land $50,000 Building $349,813

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

Flood

FEMA maps place 2279 Valley Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 215 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	215 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2020 · Hurricane Sally

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 2279 Valley Rd is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% 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 146 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	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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