Santa Rosa County property record for 2417 Cove Rd, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,586 sqft · built 2024 |
| Lot Size | 0.418 acres (18,208 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $612,500 (Dec 2024) |
| Tax Bill | $2,645 (2025) |
| Deeds & Mortgages | Dec 2024 Sale Feb 2024 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-2S-26-1920-16900-0050 |
| Primary APN | 18-2S-26-1920-16900-0050 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,586 sqft Living Area |
| Gross Area | 3,651 sqft |
| 1st Floor Area | 2,586 sqft |
| Flooring | Tile |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Wood Shingle |
| Lot Area | 18,208 sqft (0.418 acres) |
| Lot Dimensions | 178 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 513 sqft |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2417 COVE RD |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-8892 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 5 BLK 169 HOLLEY BY THE SEA SBJT TO CONSERVATION ESMNT AS DES IN OR 4571 PG 1224 |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 18 |
| Legal Subdivision | HOLLEY SEA/1ST AMD |
| Legal Block | 169 |
| Legal Lot Number | 5 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 10822 |
2417 Cove Rd is owned and occupied by two individuals who bought it in December 2024.
Source: Santa Rosa County records, as of April 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2417 COVE RD, NAVARRE, FL 32566-8892 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Dec 16, 2024 | Warranty Deed, Transfer RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP |
| Feb 13, 2024 | Deed of Trust, Mortgage · Construction Mortgage SOUTHERN INDEPENDENT BANK |
| Aug 21, 2023 | Warranty Deed, Transfer RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP |
| Nov 23, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 16, 2024 · Amount on File |
| Deed Sale | Dec 16, 2024 · Amount on File |
| Prior Sale | Aug 21, 2023 · Amount on File |
| Deed Document Number | 202456119 |
| Deed Book / Page | 4571 / 1224 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Dec 16, 2024 |
| Property Address | 2417 COVE RD, NAVARRE, FL 32566-8892 |
| Document Number | 0045711224 |
| Book / Page | 4571 / 1224 |
| Map Reference | MB B PG 155 |
| Instrument Date | Dec 13, 2024 |
| Instrument | 202456119 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Title Company | RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP |
| Amount | Amount on Record |
|---|---|
| Tax | $4,287.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2313 HIGHWAY 87, NAVARRE, FL 32566-3212 |
| Name | Verified Name |
|---|---|
| Address | 2417 COVE RD, NAVARRE, FL 32566-8892 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2417 COVE RD, NAVARRE, FL 32566-8892 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0044731683 |
|---|---|
| Date | Feb 13, 2024 |
| Book Page | 4473/1683 |
| Instrument | 202406248 |
| Name | SOUTHERN INDEPENDENT BANK |
|---|---|
| Type | Bank |
| Address | 503 N MAIN ST, OPP, AL 36467 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Aug 21, 2023 |
| Property Address | 2417 COVE RD, NAVARRE, FL 32566-8892 |
| Document Number | 0044261274 |
| Book / Page | 4426 / 1274 |
| Map Reference | MB B PG 155 |
| Instrument Date | Aug 21, 2023 |
| Instrument | 202337950 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2023 |
| Title Company | RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP |
| Amount | Amount on Record |
|---|---|
| Tax | $490.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 201 COYATEE SHRS, LOUDON, TN 37774-3177 |
| Name | Verified Name |
|---|---|
| Address | 2313 HIGHWAY 87, NAVARRE, FL 32566-3212 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2417 COVE RD, NAVARRE, FL 32566-8892 |
| Document Number | 0040361489 |
| Instrument Date | Nov 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 8, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7048 PRO AM CT NAVARRE FL 325668833, NAVARRE, FL 32566-8833 |
| Document Number | 0040361489 |
|---|---|
| Date | Dec 2, 2020 |
| Book Page | 004036/001489 |
| Instrument | 64538 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 1, 2040 |
The 2025 property tax bill for 2417 Cove Rd was $2,645, up 200.9% 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 | $2,645.00 (+200.91%) | $248,152 (+341.16%) | $492,780 (+776.05%) Land $75,000 Building $417,780 |
| 2024 | $879.00 (+162.39%) | $56,250 (+73.08%) Land $56,250 | $56,250 (+73.08%) Land $56,250 |
| 2023 | $335.00 (+18.37%) | $32,500 (+3%) Land $32,500 | $32,500 (+3%) Land $32,500 |
| 2022 | $283.00 | $25,000 | $25,000 Land $25,000 |
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 2417 Cove Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 227 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 227 in force |
| Nearby Flood Claims | 5 (2004–2021) |
| Claims Outside the SFHA | 3 of 5 |
| Most Recent Claim | Oct 2021 · rainfall accumulation |
| 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 2417 Cove Rd is moderate, ranking above 42% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 86% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 189 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