Santa Rosa County property record for 2395 Heritage Cir, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,992 sqft · built 2003 |
| Lot Size | 0.215 acres (9,365 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $495,000 (Mar 2023) |
| Tax Bill | $4,504 (2024) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Apr 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-2S-26-0772-00B00-0120 |
| Primary APN | 14-2S-26-0772-00B00-0120 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,992 sqft Living Area |
| Gross Area | 3,815 sqft |
| 1st Floor Area | 2,992 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 9,365 sqft (0.215 acres) |
| Lot Dimensions | 125 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 254 sqft |
| Patio Area | 128 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2395 HERITAGE CIR |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-2883 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | CREETWOODS LOT 12 BLK B AS DES IN OR 4377 PG 139 |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 14 |
| Legal Subdivision | CREETWOODS |
| Legal Block | B |
| Legal Lot Number | 12 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 10828 |
Source: Santa Rosa County records, as of December 8, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2395 HERITAGE CIR, NAVARRE, FL 32566-2883 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 20, 2023 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Apr 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BLACKACRE PROPETIES LLC |
| Dec 10, 2019 | Quit Claim Deed, Transfer MORTGAGE SOLUTIONS/CO |
| Dec 3, 2018 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE SOLUTIONS/CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 20, 2023 · Amount on File |
| Deed Sale | Mar 20, 2023 · Amount on File |
| Prior Sale | Dec 3, 2018 · Amount on File |
| Deed Document Number | 202311635 |
| Deed Book / Page | 4377 / 139 |
| Prior Transfer Date | Dec 2, 2019 |
| Prior Transfer Doc | 0038980170 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Mar 20, 2023 |
| Property Address | 2395 HERITAGE CIR, NAVARRE, FL 32566-2883 |
| Document Number | 0043770139 |
| Book / Page | 4377 / 139 |
| Map Reference | MB G PG 98 |
| Instrument Date | Mar 16, 2023 |
| Instrument | 202311635 |
| Transaction Type | Transfer |
| Record Updated | Apr 18, 2023 |
| Title Company | NOT AVAILABLE, BRADLEY TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,465.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1095 HIGH LAKE VW, COLORADO SPRINGS, CO 80906-8709 |
| Name | Verified Name |
|---|---|
| Address | 367 BLACKBIRD LOOP, CLOVIS, NM 88101-8878 |
| Investor | Possibly a Property Investor |
| Document Number | 0004377143 |
|---|---|
| Date | Mar 20, 2023 |
| Instrument | 4377/143 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2395 HERITAGE CIR, NAVARRE, FL 32566-2883 |
| Transaction Type | Mortgage |
| Record Updated | Jun 7, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2395 HERITAGE CIR, NAVARRE, FL 32566-2883 |
| Document Number | 0041001710 |
|---|---|
| Date | Apr 8, 2021 |
| Book Page | 4100/1710 |
| Instrument | 202123275 |
| Name | BLACKACRE PROPETIES LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | COLLEYVILLE, TX 76034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 352 Months |
| Due | Aug 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Dec 10, 2019 |
| Property Address | 2395 HERITAGE CIR, NAVARRE, FL 32566-2883 |
| Document Number | 0038980170 |
| Book / Page | 003898 / 000170 |
| Instrument Date | Dec 2, 2019 |
| Instrument | 55439 |
| Transaction Type | Transfer |
| Record Updated | Feb 25, 2020 |
| Title Company | RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2395 HERITAGE CIR NAVARRE FL 325662883, NAVARRE, FL 32566-2883 |
| Document Number | 38980171 |
|---|---|
| Date | Dec 10, 2019 |
| Book Page | 003898/000171 |
| Instrument | 55440 |
| Name | MORTGAGE SOLUTIONS/CO |
|---|---|
| Type | Mortgage Company |
| Address | COLORADO SPRINGS, CO 80918 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Dec 9, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Dec 3, 2018 |
| Property Address | 2395 HERITAGE CIR, NAVARRE, FL 32566-2883 |
| Document Number | 0037861901 |
| Book / Page | 003786 / 001901 |
| Instrument Date | Nov 29, 2018 |
| Instrument | 51155 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2019 |
| Title Company | RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,960.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2395 HERITAGE CIR NAVARRE FL 325662883, NAVARRE, FL 32566-2883 |
| Document Number | 37861902 |
|---|---|
| Date | Dec 3, 2018 |
| Book Page | 003786/001902 |
| Instrument | 51156 |
| Name | MORTGAGE SOLUTIONS/CO |
|---|---|
| Type | Mortgage Company |
| Address | COLORADO SPRINGS, CO 80918 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 2, 2048 |
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 | $414,690 (+2.9%) | $426,226 (+5.76%) Land $55,000 Building $371,226 | |
| 2024 | $4,504.00 (+43.26%) Homeowner's exemption | $403,003 (+42.94%) Land $52,000 Building $351,003 | $403,003 (+2.2%) Land $52,000 Building $351,003 |
| 2023 | $3,144.00 (+2.61%) Homeowner's exemption | $281,936 (+3%) | $394,311 (+9.23%) Land $46,000 Building $348,311 |
| 2022 | $3,064.00 Homeowner's exemption | $273,724 | $361,006 Land $45,000 Building $316,006 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 298 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless 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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