2281 Tom St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2281 Tom St, Navarre, FL 32566 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,604 sqft · built 2017
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$245,000 (Sep 2019)
Tax Bill	$2,162 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-2S-26-0780-0QQ00-1410`

Property Details

APN / Parcel Number

Primary APN	`21-2S-26-0780-0QQ00-1410`
Alternative APN	`S2622107800QQ001410`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,604 sqft Living Area
Gross Area	2,279 sqft
1st Floor Area	1,604 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	125 ft deep x 56 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	213 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2281 TOM ST
City	NAVARRE
State	FL
Zip	32566-3343
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRESCENT SHORES PORT OF LOT QQ DESCRIBED AS FOLLOWS: PARCEL J: COM AT NE CORN OF LOT QQ THN W 647.80 FT THN S 276 FT TO POB THN WLY 125 FT THN N 56 FT THN E 125 FT THN S 56 FT TO POB AS DES IN OR 3872 PG 713 (OUT OF QQ.55 FOR 2016)
Legal Range	26W
Legal Township	2S
Legal Section	21
Legal Subdivision	CRESCENT SHORES
Legal Block	QQ
Legal Lot Number	QQ
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1003
Census Tract	10828

Owner

Source: Santa Rosa County records · APN 21-2S-26-0780-0QQ00-1410

Assessment roll updated December 8, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	PSC 78 BOX 1889, APO, AP 96326-0019
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
May 22, 2017	Warranty Deed, Transfer · VA Mortgage UNIVERSITY LNDG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 23, 2019 · Amount on Record
Deed Sale	Sep 23, 2019 · Amount on Record
Prior Sale	May 22, 2017 · Amount on Record
Deed Document Number	201942306
Deed Book / Page	3872 / 713
Record Updated	Sep 20, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 23, 2019
Property Address	2281 TOM ST, NAVARRE, FL 32566-3343
Document Number	0038720713
Book / Page	003872 / 000713
Instrument Date	Aug 29, 2019
Instrument	42306
Transaction Type	Transfer
Record Updated	Dec 05, 2019
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	437 TULLY ST HURLBURT FIELD FL 325445730, HURLBURT FIELD, FL 32544-5730

Mortgage

Document Number	38720715
Date	Sep 23, 2019
Book Page	003872/000715
Instrument	42307

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 22, 2049

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 22, 2017
Property Address	2281 TOM ST, NAVARRE, FL 32566-3343
Document Number	0036261147
Book / Page	003626 / 001147
Instrument Date	May 22, 2017
Instrument	20554
Transaction Type	Transfer
Record Updated	Jun 21, 2017
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11 OELSCHLAGER ST HURLBURT FIELD FL 325441026, HURLBURT FIELD, FL 32544-1026

Mortgage

Document Number	36261150
Date	May 22, 2017
Book Page	003626/001150
Instrument	20555

Lender

Name	UNIVERSITY LNDG
Address	SOUTHFIELD, MI 48034

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 21, 2047

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,162.00 (+3.79%) Homeowner's exemption	$214,102 (+2.9%)	$270,564 (+3.32%) Land $40,320 Building $230,244
2024	$2,083.00 (+2.41%) Homeowner's exemption	$208,068 (+3%)	$261,863 (-5.65%) Land $36,960 Building $224,903
2023	$2,034.00 (+2.88%) Homeowner's exemption	$202,008 (+3%)	$277,556 (+11.83%) Land $33,600 Building $243,956
2022	$1,977.00 Homeowner's exemption	$196,124	$248,195 Land $30,240 Building $217,955

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Rosa County (12113C), updated November 18, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121130108281, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 122 individual NFIP policies nearby
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, rainfall accumulation, Hurricane Sally
Claims By Storm	Hurricane Sally, Sep 2020 · 2 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 2 claims

Wildfire

Wildfire Risk	Low above 38% of the US · above 12% of Florida
Wildfire Likelihood	About 1 in 2,041 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 421 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Mediacom Communications	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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