Santa Rosa County property record for 2291 Panhandle Trl, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,751 sqft · built 2006 |
| Lot Size | 0.363 acres (15,812 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $156,000 (Dec 2013) |
| Tax Bill | $1,276 (2024) |
| Deeds & Mortgages | Nov 2021 Reverse Mortgage Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-2S-26-0000-05400-0000 |
| Primary APN | 15-2S-26-0000-05400-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,751 sqft Living Area |
| Gross Area | 2,590 sqft |
| 1st Floor Area | 1,751 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 15,812 sqft (0.363 acres) |
| Lot Dimensions | 160 ft deep x 99 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 419 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2291 PANHANDLE TRL |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-1133 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1M |
| Legal Description | THE N 99.27 FT OF THE FOLLOWIN G DES PARCEL (PER SEP REQ) E2 OF NE4 OF NE4 OF NW4 OF SE4 LESS E 33 FT & N 33 FT FOR RD R/W AS DES IN OR 3308 PG 548 (REMAINDER NOW #54.1 & #54.2) |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 15 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 10827 |
2291 Panhandle Trl is owned and occupied by two individuals who bought it in December 2013.
Source: Santa Rosa County records, as of March 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2291 PANHANDLE TRL, NAVARRE, FL 32566-1133 |
| 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.
| Date | Document |
|---|---|
| Nov 1, 2021 | Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC |
| Mar 26, 2020 | Deed of Trust, Mortgage · FHA Mortgage FINANCE OF AMERICA REVERSE |
| Mar 26, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 3, 2013 · Amount on File |
| Deed Sale | Dec 3, 2013 · Amount on File |
| Prior Sale | Aug 22, 2006 · Amount on File |
| Deed Document Number | 201366626 |
| Deed Book / Page | 3308 / 548 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2291 PANHANDLE TRL, NAVARRE, FL 32566-1133 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2291 PANHANDLE TRL, NAVARRE, FL 32566-1133 |
| Document Number | 0042010356 |
|---|---|
| Date | Nov 1, 2021 |
| Book Page | 4201/356 |
| Instrument | 202172949 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | TULSA, OK 74133 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 1.9% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 6.9% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2291 PANHANDLE TRL, NAVARRE, FL 32566-1133 |
| Document Number | 0039511823 |
| Instrument Date | Mar 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2291 PANHANDLE TRL NAVARRE FL 325661133, NAVARRE, FL 32566-1133 |
| Document Number | 0039511823 |
|---|---|
| Date | May 18, 2020 |
| Book Page | 003951/001823 |
| Instrument | 23391 |
| Name | FINANCE OF AMERICA REVERSE |
|---|---|
| Address | TULSA, OK 74133 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 984 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.84% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2291 PANHANDLE TRL, NAVARRE, FL 32566-1133 |
| Document Number | 0039511836 |
| Instrument Date | Mar 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2291 PANHANDLE TRL NAVARRE FL 325661133, NAVARRE, FL 32566-1133 |
| Document Number | 0039511836 |
|---|---|
| Date | May 18, 2020 |
| Book Page | 003951/001836 |
| Instrument | 23392 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 984 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.84% |
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 | $154,702 | $263,141 Land $49,302 Building $213,839 | |
| 2024 | $1,276.00 (+2.49%) | ||
| 2023 | $1,245.00 Homeowner's exemption | $145,963 | $243,908 Land $36,976 Building $206,932 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2291 Panhandle Trl in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2014.
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 File median of 117 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 117 in force |
| Nearby Flood Claims | 7 (2014–2025) |
| Claims Outside the SFHA | 7 of 7 |
| Most Recent Claim | May 2025 · rainfall accumulation |
| 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.
Wildfire risk around 2291 Panhandle Trl is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 188 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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