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2287 Tom St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2287 Tom St, Navarre, FL 32566

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,604 sqft · built 2017
Lot Size0.183 acres (7,971 sqft)
Owner2 Individual Names on File
Last Sale$380,000 (Jul 2022)
Tax Bill$1,482 (2025)
Deeds & MortgagesJul 2022 Sale & Mortgage
Jan 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN21-2S-26-0780-0QQ55-0000

Property Details

APN / Parcel Number

Primary APN21-2S-26-0780-0QQ55-0000
Alternative APN
  • S2622107800QQ550000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,604 sqft Living Area
Gross Area2,279 sqft
1st Floor Area1,604 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Exterior MaterialAluminum/Vinyl
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialWood Shingle
Lot Area7,971 sqft (0.183 acres)
Lot Dimensions125 ft deep x 64 ft wide
Garage TypeAttached
Garage Area462 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area213 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address2287 TOM ST
CityNAVARRE
StateFL
Zip32566-3343
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR2M
Legal DescriptionCRESCENT SHORES COM AT NE COR N OF LOT QQ TH WLY 647.80 FT TH SLY 108 FT & POB TH WLY 125 FT TH NLY 63.55 FT TH ELY 125 FT TH SLY 63.55 FT TO POB & BEING ALSO KNOWN AS DEED PARCEL M AS DES IN OR 4307 PG 1985
Legal Range26W
Legal Township2S
Legal Section21
Legal SubdivisionCRESCENT SHORES
Legal BlockQQ
Legal Lot NumberQQ
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group1
Census Block1003
Census Tract10828

Owner

Source: Santa Rosa County records · APN 21-2S-26-0780-0QQ55-0000

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 Record2 Individual Names on File
Mailing Address2287 TOM ST, NAVARRE, FL 32566-3343
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 20, 2022Warranty Deed, Transfer · VA Mortgage
TRIDENT HOME LOANS LLC
Jan 19, 2018Warranty Deed, Transfer · VA Mortgage
USAA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 20, 2022 · Amount on Record
Deed SaleJul 20, 2022 · Amount on Record
Prior SaleJan 19, 2018 · Amount on Record
Deed Document Number202242798
Deed Book / Page4307 / 1985
Prior Transfer DateAug 16, 2017
Prior Transfer Doc0036530974
Record UpdatedSep 20, 2026

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateJul 20, 2022
Property Address2287 TOM ST, NAVARRE, FL 32566-3343
Document Number0043071985
Book / Page4307 / 1985
Instrument DateJul 18, 2022
Instrument202242798
Transaction TypeTransfer
Record UpdatedAug 24, 2022
Title CompanyOLD SOUTH LAND TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,660.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1425 S WOLF RD APT 320, 1425, PROSPECT HEIGHTS, IL 60070-1721

Transferred To (Grantee/Buyer)

NameVerified Name
Address2287 TOM ST, NAVARRE, FL 32566-3343

Mortgage

Document Number0043071988
DateJul 20, 2022
Instrument4307/1988
Lender
NameTRIDENT HOME LOANS LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2052

January 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateJan 19, 2018
Property Address2287 TOM ST, NAVARRE, FL 32566-3343
Document Number0036951179
Book / Page003695 / 001179
Instrument DateJan 19, 2018
Instrument2307
Transaction TypeTransfer
Record UpdatedMar 07, 2018
Title CompanyOTHER

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,595.30
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address921 DENTON BLVD NW #502 FORT WALTON BEACH FL 325471650, 502, FORT WALTON BEACH, FL 32547-1650

Mortgage

Document Number36951182
DateJan 19, 2018
Book Page003695/001182
Instrument2308
Lender
NameUSAA
AddressSAN ANTONIO, TX 78288-0544
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 18, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$1,482.00 (-46.36%) Homeowner's exemption$275,587 (+2.9%)$276,995 (+3.43%) Land $45,756 Building $231,239
2024$2,763.00 (-7.03%) Homeowner's exemption$267,820 (-5.41%) Land $41,943 Building $225,877$267,820 (-5.41%) Land $41,943 Building $225,877
2023$2,972.00 (+56.92%) Homeowner's exemption$283,142 (+49.84%) Land $38,130 Building $245,012$283,142 (+11.82%) Land $38,130 Building $245,012
2022$1,894.00 Homeowner's exemption$188,959$253,217 Land $34,317 Building $218,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 18, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 122 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies122 in force
Nearby Flood Claims4 (2014–2020)
Claims Outside the SFHA4 of 4
Most Recent ClaimSep 2020 · Hurricane Sally
Claims by Event
  • Hurricane Sally, Sep 2020 · 2 claims
  • Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 2 claims

Wildfire

Wildfire RiskLow
lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood0.05% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless, DSL in parts of the area		5,000 / 5,000
Mediacom Communications
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20

Based on FCC filings for 421 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemHOLLEY-NAVARRE WATER SYSTEM
public/private · serves 47,793 people
Water SourceGroundwater
Last State InspectionOct 2025
Lead6 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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