2315 Hemlock Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2315 Hemlock Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,393 sqft · built 2017
Lot Size	0.616 acres (26,833 sqft)
Owner	2 Individual Names on File
Last Sale	$334,500 (Sep 2019)
Tax Bill	$208 (2024)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-2S-26-1921-02200-0020`

Property Details

APN / Parcel Number

Primary APN	`18-2S-26-1921-02200-0020`
Alternative APN	`S262181921022000020`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,393 sqft Living Area
Gross Area	3,181 sqft
1st Floor Area	2,393 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	26,833 sqft (0.616 acres)
Lot Dimensions	244 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	368 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2315 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 2 BLK 22 AS DES IN OR 3870 PG 92
Legal Range	26W
Legal Township	2S
Legal Section	18
Legal Subdivision	HOLLEY SEA/2ND CORRC
Legal Block	22
Legal Lot Number	2
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	2
Census Block	2017
Census Tract	10822

Owner

2315 Hemlock Dr is owned and occupied by two individuals who bought it in September 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	2315 HEMLOCK DR, NAVARRE, FL 32566-7833
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Sep 16, 2019	Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 3, 2017	Warranty Deed, Transfer · VA Mortgage UNIVERSITY LNDG
Jun 12, 2017	Loan Modification, Mortgage · Line of Credit CENTENNIAL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2019 · Amount on File
Deed Sale	Sep 16, 2019 · Amount on File
Prior Sale	Aug 3, 2017 · Amount on File
Deed Document Number	201941121
Deed Book / Page	3870 / 92
Prior Transfer Date	Mar 30, 2009
Prior Transfer Doc	0028891996
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2315 HEMLOCK DR, NAVARRE, FL 32566-7833
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2315 HEMLOCK DR, NAVARRE, FL 32566-7833

Mortgage

Document Number	0040810551
Date	Mar 3, 2021
Book Page	4081/551
Instrument	202114078

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 16, 2019
Property Address	2315 HEMLOCK DR, NAVARRE, FL 32566-7833
Document Number	0038700092
Book / Page	3870 / 0092
Instrument Date	Sep 11, 2019
Instrument	201941121
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	RELIANCE LAND TITLE CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,341.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1199 FRENCH QUARTER WAY, 1199, FORT WALTON BEACH, FL 32547-6121

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2315 HEMLOCK DR, NAVARRE, FL 32566-7833

Mortgage

Document Number	0000387093
Date	Sep 16, 2019
Instrument	3870/93

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 3, 2017
Property Address	2315 HEMLOCK DR, NAVARRE, FL 32566-7833
Document Number	0036490170
Book / Page	003649 / 000170
Instrument Date	Jul 31, 2017
Instrument	31866
Transaction Type	Transfer
Record Updated	Sep 1, 2017
Title Company	GUARANTEE TITLE/NORTHWEST FL

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,027.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2315 HEMLOCK DR NAVARRE FL 325667833, NAVARRE, FL 32566-7833

Mortgage

Document Number	36490182
Date	Aug 3, 2017
Book Page	003649/000182
Instrument	31869

Lender

Name	UNIVERSITY LNDG
Address	SOUTHFIELD, MI 48034

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 2, 2047

June 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 12, 2017
Property Address	2315 HEMLOCK DR, NAVARRE, FL 32566-7833
Document Number	0036321283
Book / Page	003632 / 001283
Instrument Date	Apr 18, 2017
Instrument	23600
Transaction Type	Mortgage
Record Updated	Feb 20, 2018
Title Company	GUARANTEE TITLE/NORTHWEST FL

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	36321283
Date	Jun 12, 2017
Book Page	003632/001283
Instrument	23600

Lender

Name	CENTENNIAL BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

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		$292,371 (+2.9%)	$387,812 (+2.17%) Land $75,000 Building $312,812
2024	$208.00 (+7.22%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$284,131 (+3%)	$379,565 (+3.49%) Land $75,000 Building $304,565
2023	$194.00 (+6.59%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed	$275,855 (+3%)	$366,779 (+7.54%) Land $65,000 Building $301,779
2022	$182.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed	$267,820	$341,074 Land $50,000 Building $291,074

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

Flood

FEMA maps place 2315 Hemlock Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2004.

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 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

Wildfire risk around 2315 Hemlock Dr is moderate, ranking above 61% of the US, with a 0.1% annual chance of 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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