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2397 Hemlock Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2397 Hemlock Dr, Navarre, FL 32566

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,441 sqft · built 1996
Lot Size0.641 acres (27,922 sqft)
Owner2 Individual Names on File
Last Sale$323,000 (May 2022)
Tax Bill$2,910 (2024)
Deeds & MortgagesJan 2021 Mortgage
May 2022 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN18-2S-26-1921-02100-0170

Property Details

APN / Parcel Number

Primary APN18-2S-26-1921-02100-0170

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,441 sqft Heated Area
Gross Area2,094 sqft
1st Floor Area1,854 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1996
Exterior MaterialVinyl
Construction TypeWood
Foundation TypeMasonry
Roof MaterialShingle
Lot Area27,922 sqft (0.641 acres)
Lot Dimensions2,540 ft deep x 1,100 ft wide
Garage Area413 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area15 sqft
Patio Area225 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number182S261921021000170
Street Address2397 HEMLOCK DR
CityNAVARRE
StateFL
Zip32566-7833
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionHOLLEY BY THE SEA 2ND CORR & AMENDED LOT 17 BLK 21 AS DES IN OR 4278 PG 1557
Legal Range26W
Legal Township02S
Legal Section18
Legal SubdivisionBY THE SEA
Legal Block21
Legal Lot Number17
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group2
Census Block2021
Census Tract10822

Owner

Source: Santa Rosa County assessment roll, as of July 1, 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Co-ownerVerified Secondary Owner
Mailing Address4531 US HIGHWAY 62 W, CYNTHIANA, KY 41031-4344
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 27, 2021Deed of Trust, Mortgage · Conventional Mortgage
AMERICAN MORTGAGE & EQUITY CONSULTANTS
May 2, 2022Warranty Deed, Transfer · Conventional Mortgage
CENTRAL BANK & TRUST CO
May 24, 2019Warranty Deed, Transfer · Conventional Mortgage
AMERICAN MORTGAGE & EQUITY CONSULTA

Assessor's Deed Record

Deed Names3 Verified Names on Deed
Last SaleMay 2, 2022 · Amount on Record
Deed SaleMay 2, 2022 · Amount on Record
Prior SaleMay 24, 2019 · Amount on Record
Deed Document Number202226566
Deed Book / Page4278 / 1557
Record UpdatedJun 8, 2026

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address2397 HEMLOCK DR, NAVARRE, FL 32566-7833
Transaction TypeMortgage
Record UpdatedMay 2, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0040621048
DateJan 27, 2021
Book Page4062/1048
Instrument202105416
Lender
NameAMERICAN MORTGAGE & EQUITY CONSULTANTS
TypeMortgage Company
AddressMINNEAPOLIS, MN 55435
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term341 Months
DueJun 1, 2049

May 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateMay 2, 2022
Property Address2397 HEMLOCK DR, NAVARRE, FL 32566-7833
Document Number0042781557
Book / Page4278 / 1557
Map ReferenceMB C PG 183
Instrument DateApr 28, 2022
Instrument202226566
Transaction TypeTransfer
Record UpdatedJun 6, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,261.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2061 BAHAMA DR, 2061, NAVARRE, FL 32566-7697

Transferred To (Grantee/Buyer)

NameVerified Name
Address2397 HEMLOCK DR, NAVARRE, FL 32566-7833

Mortgage

Document Number0042781559
DateMay 2, 2022
Instrument4278/1559
Lender
NameCENTRAL BANK & TRUST CO
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 1, 2052

May 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateMay 24, 2019
Property Address2397 HEMLOCK DR, NAVARRE, FL 32566-7833
Document Number0038320611
Book / Page3832 / 0611
Map ReferenceMB C PG183&183A-183L
Instrument DateMay 21, 2019
Instrument201921559
Transaction TypeTransfer
Record UpdatedMay 2, 2022
Title CompanyRELIABLE LAND TITLE CORP

Transaction

AmountAmount Recorded
Tax$1,421.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address814 BRITTANY LN, 814, BOSSIER CITY, LA 71111-2173

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 551, RIFLE, CO 81650-0551

Mortgage

Document Number0003832612
DateMay 24, 2019
Instrument3832/612
Lender
NameAMERICAN MORTGAGE & EQUITY CONSULTA
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2049

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

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
2024$2,910.00 (+0.97%)$242,565 (+2.28%) Land $75,000 Building $167,565$242,565 (+2.28%) Land $75,000 Building $167,565
2023$2,882.00 (+17.92%)$237,153 (+13.12%) Land $71,500 Building $165,653$237,153 (+13.12%) Land $71,500 Building $165,653
2022$2,444.00$209,647$209,647 Land $55,000 Building $154,647

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

Flood

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
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 199 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies199 in force
Nearby Flood Claims2 (2004–2024)
Claims Outside the SFHA1 of 2
Most Recent ClaimSep 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 55% of the US · lower than 73% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
burnable vegetation at the parcel

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 255 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Mediacom Communications
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20
AT&T
DSL · Fiber in parts of the area		100 / 20

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