Santa Rosa County property record for 2320 Tom St, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,125 sqft · built 2023 |
| Lot Size | 0.114 acres (4,966 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $449,000 (Apr 2025) |
| Tax Bill | $4,203 (2025) |
| Deeds & Mortgages | Apr 2025 Sale & Mortgage Feb 2022 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-2S-26-0780-0QQ00-1590 |
| Primary APN | 21-2S-26-0780-0QQ00-1590 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,125 sqft Living Area |
| Gross Area | 2,885 sqft |
| 1st Floor Area | 1,229 sqft |
| Upper Floors Area | 896 sqft |
| Flooring | Tile |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Material | Wood Shingle |
| Lot Area | 4,966 sqft (0.114 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 488 sqft |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2320 TOM ST |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-3397 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2M |
| Legal Description | *DESCRIPTION UPDATE FOR 2025* COM AT NE CORN OF LOT QQ CRESCENT SHORES OF SECTION 21 TOWNSHIP 2 SOUTH RANGE 26 WEST THN N89*1204W 135 FT THN S00*4756W 44.45 FT THN N89*1204W ALNG TOM ST 55.74 FT TO POB THN CONT 50 FT THN S00*4756W 100 FT THN S89*12 0 |
| 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 | 1006 |
| Census Tract | 10828 |
2320 Tom St is owned by two individuals who bought it in April 2025.
Source: Santa Rosa County records, as of July 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7752 NAVARRE PKWY, NAVARRE, FL 32566-5516 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Apr 4, 2025 | Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Feb 8, 2022 | Deed of Trust, Mortgage · Construction Mortgage TRUSTMARK NATIONAL BANK |
| Jun 1, 2023 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Jun 7, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 4, 2025 · Amount on File |
| Deed Sale | Apr 4, 2025 · Amount on File |
| Prior Sale | Jun 1, 2023 · Amount on File |
| Deed Document Number | 202514770 |
| Deed Book / Page | 4602 / 976 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 4, 2025 |
| Property Address | 2320 TOM ST, NAVARRE, FL 32566-3397 |
| Document Number | 0046020976 |
| Book / Page | 4602 / 976 |
| Instrument Date | Apr 4, 2025 |
| Instrument | 202514770 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Title Company | ALLURE TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,143.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2320 TOM ST, NAVARRE, FL 32566-3397 |
| Name | Verified Name |
|---|---|
| Address | 7752 NAVARRE PKWY, NAVARRE, FL 32566-5516 |
| Document Number | 0004602978 |
|---|---|
| Date | Apr 4, 2025 |
| Instrument | 4602/978 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2320 TOM ST, NAVARRE, FL 32566-3397 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2024 |
| Name | Verified Name |
|---|---|
| Address | 2250 TOM ST, NAVARRE, FL 32566-3342 |
| Document Number | 0042430544 |
|---|---|
| Date | Feb 8, 2022 |
| Book Page | 4243/544 |
| Instrument | 202207396 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | SANTA ROSA BEACH, FL 32459 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jun 1, 2023 |
| Property Address | 2320 TOM ST, NAVARRE, FL 32566-3397 |
| Document Number | 0044010089 |
| Book / Page | 4401 / 89 |
| Instrument Date | May 30, 2023 |
| Instrument | 202324280 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2024 |
| Title Company | FIRST NATL LAND TTL CO INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,975.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2250 TOM ST, NAVARRE, FL 32566-3342 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2320 TOM ST, NAVARRE, FL 32566-3397 |
| Document Number | 0044010095 |
|---|---|
| Date | Jun 1, 2023 |
| Book Page | 4401/95 |
| Instrument | 202324283 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FORT MILL, SC 29707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jun 7, 2021 |
| Property Address | 2320 TOM ST, NAVARRE, FL 32566-3397 |
| Document Number | 0041281537 |
| Book / Page | 4128 / 1537 |
| Instrument Date | Jun 4, 2021 |
| Instrument | 202137613 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 17 SHADY LN, MARY ESTHER, FL 32569-1943 |
| Name | Verified Name |
|---|---|
| Address | 2250 TOM ST, NAVARRE, FL 32566-3342 |
The 2025 property tax bill for 2320 Tom St was $4,203, up 4.4% from the year before.
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 | $4,203.00 (+4.4%) | $351,171 (+4.09%) Land $36,000 Building $315,171 | $351,171 (+4.09%) Land $36,000 Building $315,171 |
| 2024 | $4,026.00 (+672.74%) | $337,383 (+1,024.61%) Land $33,000 Building $304,383 | $337,383 (+1,024.61%) Land $33,000 Building $304,383 |
| 2023 | $521.00 (+8.54%) | $30,000 (+11.11%) Land $30,000 | $30,000 (+11.11%) Land $30,000 |
| 2022 | $480.00 | $27,000 | $27,000 Land $27,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 2320 Tom St in Zone X, an area of minimal flood risk, though there have been 4 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 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.
Wildfire risk around 2320 Tom St 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 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 |
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