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2326 Tom St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2326 Tom St, Navarre, FL 32566

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,165 sqft · built 2022
Lot Size0.126 acres (5,489 sqft)
Owner2 Individual Names on File
Last Sale$430,000 (Apr 2023)
Tax Bill$3,790 (2025)
Deeds & MortgagesApr 2023 Sale & Mortgage
Jun 2021 Sale
Flood ZoneZone X (minimal risk)
APN21-2S-26-0780-0QQ00-1600

Property Details

APN / Parcel Number

Primary APN21-2S-26-0780-0QQ00-1600
Alternative APN
  • S2622107800QQ001600

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,165 sqft Living Area
Gross Area2,925 sqft
1st Floor Area1,267 sqft
Upper Floors Area898 sqft
FlooringTile

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Exterior MaterialAluminum/Vinyl
Construction TypeWood
Roof MaterialWood Shingle
Lot Area5,489 sqft (0.126 acres)
Lot Dimensions100 ft deep x 55 ft wide
Garage TypeAttached
Garage Area488 sqft
PorchFinished/Open Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address2326 TOM ST
CityNAVARRE
StateFL
Zip32566-3397
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR2M
Legal DescriptionCOM NE CORN OF LOT QQ CRESCENT SHORES THN N89*12'04W 135 FT THN S00*47'56W 44.45 FT & POB N89*12'04W ALNG TOM ST 55.74 FT THN S00*47'56W 100 FT THN S89*12'04E 55.74 FT TO W R/W OF JANET ST THN N0*47'56E 100 FT TO POB BEING SURVEY PARCEL 4 (OUT OF QQ.
Legal Range26W
Legal Township2S
Legal Section21
Legal SubdivisionCRESCENT SHORES
Legal BlockQQ
Legal Lot NumberQQ
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group1
Census Block1006
Census Tract10828

Owner

2326 Tom St is owned and occupied by two individuals who bought it in April 2023.

Source: Santa Rosa County records, as of May 26, 2026

Owner of Record2 Individual Names on File
Mailing Address2326 TOM ST, NAVARRE, FL 32566-3397
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Apr 25, 2023Warranty Deed, Transfer · VA Mortgage
NEW AMERICAN FUNDING
Jun 7, 2021Warranty Deed, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 25, 2023 · Amount on File
Deed SaleApr 25, 2023 · Amount on File
Prior SaleMar 1, 2017 · Amount on File
Deed Document Number202317560
Deed Book / Page4388 / 3
Record UpdatedSep 20, 2026

April 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateApr 25, 2023
Property Address2326 TOM ST, NAVARRE, FL 32566-3397
Document Number0043880003
Book / Page4388 / 3
Instrument DateApr 20, 2023
Instrument202317560
Transaction TypeTransfer
Record UpdatedApr 16, 2024
Title CompanyFIRST NATIONAL LAND TITLE COMPANY INC, FIRST NATL LAND TTL CO INC

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,010.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2250 TOM ST, NAVARRE, FL 32566-3342

Transferred To (Grantee/Buyer)

NameVerified Name
Address2326 TOM ST, NAVARRE, FL 32566-3397

Mortgage

Document Number0000043885
DateApr 25, 2023
Instrument4388/5
Lender
NameNEW AMERICAN FUNDING
TypeLending Institution
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueMay 1, 2053

June 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateJun 7, 2021
Property Address2326 TOM ST, NAVARRE, FL 32566-3397
Document Number0041281539
Book / Page4128 / 1539
Instrument DateJun 4, 2021
Instrument202137614
Transaction TypeTransfer
Record UpdatedApr 16, 2024

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address17 SHADY LN, MARY ESTHER, FL 32569-1943

Transferred To (Grantee/Buyer)

NameVerified Name
Address2250 TOM ST, NAVARRE, FL 32566-3342

Tax Assessment & Valuation

The 2025 property tax bill for 2326 Tom St was $3,790 with a homeowner's exemption, up 3.5% from the year before.

Source: Santa Rosa County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,790.00 (+3.5%) Homeowner's exemption$353,221 (+2.9%)$354,905 (+3.39%) Land $40,132 Building $314,773
2024$3,662.00 (-16.01%) Homeowner's exemption$343,266 (-5.13%) Land $36,788 Building $306,478$343,266 (-5.13%) Land $36,788 Building $306,478
2023$4,360.00 (+740.08%)$361,814 (+1,102.08%) Land $33,444 Building $328,370$361,814 (+1,102.08%) Land $33,444 Building $328,370
2022$519.00$30,099$30,099 Land $30,099

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2326 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 122 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies122 in force
Nearby Flood Claims4 (2014–2020)
Claims Outside the SFHA4 of 4
Most Recent ClaimSep 2020 · Hurricane Sally
Claims by Event
  • Hurricane Sally, Sep 2020 · 2 claims
  • Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 2 claims

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 2326 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 RiskLow
lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood0.05% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemHOLLEY-NAVARRE WATER SYSTEM
public/private · serves 47,793 people · EPA ID FL1570349
Water SourceGroundwater
Last State InspectionOct 2025
Lead6 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 421 locations within half a mile, as of December 31, 2025

ProviderMax 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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