2307 Hemlock Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2307 Hemlock Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,029 sqft · built 2018
Lot Size	0.623 acres (27,138 sqft)
Owner	2 Individual Names on Record
Last Sale	$407,300 (Jun 2018)
Tax Bill	$5,443 (2024)
Deeds & Mortgages	Dec 2020 Loan Modification Jun 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-2S-26-1921-02200-0030`

Property Details

APN / Parcel Number

Primary APN	`18-2S-26-1921-02200-0030`
Alternative APN	`S262181921022000030`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,029 sqft Living Area
Gross Area	4,204 sqft
1st Floor Area	2,003 sqft
Upper Floors Area	1,026 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	27,138 sqft (0.623 acres)
Lot Dimensions	247 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	311 sqft
Patio Area	380 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2307 HEMLOCK DR
City	NAVARRE
State	FL
Zip	32566-7833
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HOLLEY BY THE SEA 2ND CORR & AMENDED LOT 3 BLK 22 AS DES IN OR 3740 PG 264
Legal Range	26W
Legal Township	2S
Legal Section	18
Legal Subdivision	HOLLEY SEA/2ND CORRC
Legal Block	22
Legal Lot Number	3
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	2
Census Block	2017
Census Tract	10822

Owner

Source: Santa Rosa County records, as of December 8, 2025

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	908 47TH ST, NICEVILLE, FL 32578-1316
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2020	Loan Modification, Mortgage · FHA Mortgage QUICKEN LNS
Jun 21, 2018	Warranty Deed, Transfer · VA Mortgage QUICKEN LOANS INC
Nov 1, 2017	Loan Modification, Mortgage · Line of Credit FIDELITY BK
Jul 17, 2017	Warranty Deed, Transfer SURETY LAND TITLE/FL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2018 · Amount on Record
Deed Sale	Jun 21, 2018 · Amount on Record
Prior Sale	Jul 17, 2017 · Amount on Record
Deed Document Number	201826078
Deed Book / Page	3740 / 264
Prior Transfer Date	Jun 9, 2015
Prior Transfer Doc	0034400424
Record Updated	Jun 8, 2026

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA ROSA FL
Property Address	2307 HEMLOCK DR, NAVARRE, FL 32566-7833
Document Number	0040471946
Instrument Date	Dec 4, 2020
Transaction Type	Mortgage
Record Updated	Jan 25, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2307 HEMLOCK DR NAVARRE FL 325667833, NAVARRE, FL 32566-7833

Mortgage

Document Number	0040471946
Date	Dec 28, 2020
Book Page	004047/001946
Instrument	70025

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 27, 2050

Interest

Rate	2.25%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 21, 2018
Property Address	2307 HEMLOCK DR, NAVARRE, FL 32566-7833
Document Number	0037400264
Book / Page	3740 / 0264
Map Reference	MB C PG183
Instrument Date	Jun 18, 2018
Instrument	201826078
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	SURETY LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,851.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2307 HEMLOCK DR, NAVARRE, FL 32566-7833

Mortgage

Document Number	0201826079
Date	Jun 21, 2018
Instrument	201826079

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

November 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA ROSA FL
Property Address	2307 HEMLOCK DR, NAVARRE, FL 32566-7833
Document Number	0036780628
Book / Page	003678 / 000628
Instrument Date	Nov 1, 2017
Transaction Type	Mortgage
Record Updated	Dec 5, 2017
Title Company	SURETY LAND AND TITLE COMPANY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1300 E OLIVE RD PENSACOLA FL 325144820, PENSACOLA, FL 32514-4820
Investor	Possibly a Property Investor

Mortgage

Document Number	0036780628
Date	Nov 14, 2017
Book Page	003678/000628
Instrument	47300

Lender

Name	FIDELITY BK
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	Line of Credit

Interest

Rate Type	Adjustable Rate

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 17, 2017
Property Address	2307 HEMLOCK DR, NAVARRE, FL 32566-7833
Document Number	0036421703
Book / Page	003642 / 001703
Instrument Date	Jul 7, 2017
Instrument	28825
Transaction Type	Transfer
Record Updated	Aug 1, 2017
Title Company	SURETY LAND TITLE/FL LLC

Transaction

Amount	Amount Recorded
Tax	$245.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1300 E OLIVE RD PENSACOLA FL 325144820, PENSACOLA, FL 32514-4820

Tax Assessment & Valuation

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		$510,965 (+2.26%) Land $75,000 Building $435,965	$510,965 (+2.26%) Land $75,000 Building $435,965
2024	$5,443.00 (+1.93%) Homeowner's exemption Disabled Person's exemption	$499,683 (+3.06%) Land $75,000 Building $424,683	$499,683 (+3.06%) Land $75,000 Building $424,683
2023	$5,340.00 (+2.4%)	$484,838 (+8.96%) Land $65,000 Building $419,838	$484,838 (+8.96%) Land $65,000 Building $419,838
2022	$5,215.00	$444,964	$444,964 Land $50,000 Building $394,964

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

Flood

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 199 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	199 in force
Nearby Flood Claims	2 (2004–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2024 · Hurricane Helene

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

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

Wildfire Risk	Moderate above 61% of the US · lower than 65% 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 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: LiveOak Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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