Santa Rosa County property record for 2285 Tom St, Navarre, FL 32566
| 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 Record |
| Last Sale | $345,000 (Mar 2026) |
| Tax Bill | $3,140 (2024) |
| Deeds & Mortgages | May 2021 Mortgage Jan 2024 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-2S-26-0780-0QQ00-1430 |
| Primary APN | 21-2S-26-0780-0QQ00-1430 |
|---|---|
| Alternative APN |
|
| 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 |
| 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 |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2285 TOM ST |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-3343 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2M |
| Legal Description | CRESCENT SHORES PORT OF LOT QQ KNOWN AS PARCEL L DES AS: COM AT NE CORNER OF LOT QQ THN W 647.80 FT THN S 164 FT TO POB THN W 125 FT THN N 56 FT THN E 125 FT THN S 56 FT TO POB AS DES IN OR 3960 PG 1987 |
| 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 | 1003 |
| Census Tract | 10828 |
Source: Santa Rosa County records, as of April 9, 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 Record |
|---|---|
| Mailing Address | 2285 TOM ST, NAVARRE, FL 32566-3343 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 20, 2021 | Deed of Trust, Mortgage · VA Mortgage JFQ LENDING INC |
| Jan 10, 2024 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Mar 12, 2026 | Warranty Deed, Transfer · VA Mortgage KIND LENDING LLC |
| Mar 12, 2026 | Warranty Deed, Transfer WAYPOINT TITLE, WAYPOINT TITLE LLC |
| Jun 9, 2020 | Warranty Deed, Transfer · VA Mortgage PRIME LNDG |
| Dec 15, 2017 | Warranty Deed, Transfer · VA Mortgage MORTGAGE ONE/SOUTH |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 12, 2026 · Amount on Record |
| Deed Sale | Mar 12, 2026 · Amount on Record |
| Prior Sale | Jun 9, 2020 · Amount on Record |
| Deed Document Number | 202612537 |
| Deed Book / Page | 4719 / 678 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2285 TOM ST, NAVARRE, FL 32566-3343 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2285 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0041202062 |
|---|---|
| Date | May 20, 2021 |
| Book Page | 4120/2062 |
| Instrument | 202133610 |
| Name | JFQ LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85256 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2285 TOM ST, NAVARRE, FL 32566-3343 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2285 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0044650001 |
|---|---|
| Date | Jan 10, 2024 |
| Book Page | 4465/1 |
| Instrument | 202401169 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 31, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Mar 12, 2026 |
| Property Address | 2285 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0047190678 |
| Book / Page | 4719 / 678 |
| Instrument Date | Mar 10, 2026 |
| Instrument | 202612537 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2026 |
| Title Company | WAYPOINT TITLE, WAYPOINT TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,415.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1557 BLAXTON DR, EL CENTRO, CA 92243-4720 |
| Name | Verified Name |
|---|---|
| Address | 2285 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0004719685 |
|---|---|
| Date | Mar 12, 2026 |
| Instrument | 4719/685 |
| Name | KIND LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Mar 12, 2026 |
| Property Address | 2285 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0047190680 |
| Book / Page | 4719 / 680 |
| Instrument Date | Mar 6, 2026 |
| Instrument | 202612538 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2026 |
| Title Company | WAYPOINT TITLE, WAYPOINT TITLE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1557 BLAXTON DR, EL CENTRO, CA 92243-4720 |
| Name | Verified Name |
|---|---|
| Address | 2285 TOM ST, NAVARRE, FL 32566-3343 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jun 9, 2020 |
| Property Address | 2285 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0039601987 |
| Book / Page | 003960 / 001987 |
| Instrument Date | Jun 9, 2020 |
| Instrument | 27640 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2020 |
| Title Company | NATIONWIDE TITLE CLEARING INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,785.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2285 TOM ST NAVARRE FL 325663343, NAVARRE, FL 32566-3343 |
| Document Number | 39601988 |
|---|---|
| Date | Jun 9, 2020 |
| Book Page | 003960/001988 |
| Instrument | 27641 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 8, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Dec 15, 2017 |
| Property Address | 2285 TOM ST, NAVARRE, FL 32566-3343 |
| Document Number | 0036870275 |
| Book / Page | 003687 / 000275 |
| Instrument Date | Dec 15, 2017 |
| Instrument | 51752 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,574.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7626 CHABLIS CIR NAVARRE FL 325668416, NAVARRE, FL 32566-8416 |
| Document Number | 36870278 |
|---|---|
| Date | Dec 15, 2017 |
| Book Page | 003687/000278 |
| Instrument | 51753 |
| Name | MORTGAGE ONE/SOUTH |
|---|---|
| Type | Mortgage Company |
| Address | FORT WALTON BEACH, FL 32548 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 14, 2047 |
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 | $271,559 (+3.32%) Land $40,320 Building $231,239 | $271,559 (+3.32%) Land $40,320 Building $231,239 | |
| 2024 | $3,140.00 (-2.36%) | $262,837 (-5.66%) Land $36,960 Building $225,877 | $262,837 (-5.66%) Land $36,960 Building $225,877 |
| 2023 | $3,216.00 (+9.61%) | $278,612 (+11.83%) Land $33,600 Building $245,012 | $278,612 (+11.83%) Land $33,600 Building $245,012 |
| 2022 | $2,934.00 | $249,140 | $249,140 Land $30,240 Building $218,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures