Santa Rosa County property record for 2321 Hemlock Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,218 sqft · built 2003 |
| Lot Size | 0.651 acres (28,401 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $29,000 (Aug 2002) |
| Tax Bill | $3,106 (2024) |
| Deeds & Mortgages | Mar 2022 Mortgage Apr 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-2S-26-1921-02200-0010 |
| Primary APN | 18-2S-26-1921-02200-0010 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,218 sqft Heated Area |
| Gross Area | 4,678 sqft |
| 1st Floor Area | 4,032 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Lot Area | 28,401 sqft (0.651 acres) |
| Lot Dimensions | 2,370 ft deep x 1,200 ft wide |
| Garage Area | 814 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 94 sqft |
| Patio Area | 552 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 182S261921022000010 |
|---|---|
| Street Address | 2321 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 1 BLK 22 AS DES IN OR 2039 PG 1187 |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 18 |
| Legal Subdivision | BY THE SEA |
| Legal Block | 22 |
| Legal Lot Number | 1 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 10822 |
The current owner of 2321 Hemlock Dr bought it in August 2002.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 2321 HEMLOCK DR, NAVARRE, FL 32566-7833 |
| Occupancy | Owner Occupied |
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 |
|---|---|
| Mar 11, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Apr 5, 2017 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 7, 2002 · Amount on File |
| Deed Sale | Aug 7, 2002 · Amount on File |
| Prior Sale | Jul 1, 2002 · Amount on File |
| Deed Document Number | 0203901187 |
| Deed Book / Page | 02039 / 01187 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2321 HEMLOCK DR, NAVARRE, FL 32566-7833 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 2321 HEMLOCK DR, NAVARRE, FL 32566-7833 |
| Document Number | 0042570846 |
|---|---|
| Date | Mar 11, 2022 |
| Book Page | 4257/846 |
| Instrument | 202214789 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2321 HEMLOCK DR, NAVARRE, FL 32566-7833 |
| Document Number | 0036191913 |
| Book / Page | 003619 / 001913 |
| Instrument Date | Apr 5, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2017 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 2321 HEMLOCK DR NAVARRE FL 325667833, NAVARRE, FL 32566-7833 |
| Document Number | 0036191913 |
|---|---|
| Date | Apr 28, 2017 |
| Book Page | 003619/001913 |
| Instrument | 16818 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Apr 27, 2057 |
| Rate Type | Adjustable Rate |
|---|
Source: Santa Rosa County assessment roll, as of July 1, 2024
| 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 |
|---|---|---|---|
| 2024 | $3,106.00 (+2.34%) Homeowner's exemption Disabled Person's exemption | $292,478 (+3%) | $461,518 (+2.88%) Land $75,000 Building $386,518 |
| 2023 | $3,035.00 (+2.78%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $283,959 (+3%) | $448,612 (+7.3%) Land $65,000 Building $383,612 |
| 2022 | $2,953.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $275,688 | $418,103 Land $50,000 Building $368,103 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2321 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 risk around 2321 Hemlock Dr is moderate, ranking above 55% 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 55% of the US · lower than 73% 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.
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 255 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures