Santa Rosa County property record for 2421 Hemlock Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,436 sqft · built 1996 |
| Lot Size | 0.583 acres (25,395 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $385,000 (Nov 2025) |
| Tax Bill | $3,051 (2024) |
| Deeds & Mortgages | Dec 2023 Line of Credit Jan 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-2S-26-1921-02100-0140 |
| Primary APN | 18-2S-26-1921-02100-0140 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,436 sqft Living Area |
| Gross Area | 1,995 sqft |
| 1st Floor Area | 1,436 sqft |
| Utility Area | 16 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 25,395 sqft (0.583 acres) |
| Lot Dimensions | 254 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 433 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 110 sqft |
| Patio Area | 210 sqft |
| Gazebo | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2421 HEMLOCK DR |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-7743 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HOLLEY BY THE SEA 2ND CORR & AMENDED LOT 14 BLK 21 AS DES IN OR 3710 PG 884 & AS DES IN OR 4642 PG 370 |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 18 |
| Legal Subdivision | HOLLEY SEA/2ND CORRC |
| Legal Block | 21 |
| Legal Lot Number | 14 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 10822 |
Source: Santa Rosa County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 2421 HEMLOCK DR, NAVARRE, FL 32566-7743 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Dec 20, 2023 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Jan 24, 2023 | Deed of Trust, Mortgage · Conventional Mortgage EGLIN FCU |
| Nov 20, 2025 | Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK |
| Mar 19, 2018 | Warranty Deed, Transfer · FHA Mortgage GUARANTY TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 20, 2025 · Amount on Record |
| Deed Sale | Nov 20, 2025 · Amount on Record |
| Prior Sale | Mar 19, 2018 · Amount on Record |
| Deed Document Number | 202554625 |
| Deed Book / Page | 4681 / 654 |
| Prior Transfer Date | Jul 16, 2025 |
| Prior Transfer Doc | 0046420370 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2421 HEMLOCK DR, NAVARRE, FL 32566-7743 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2421 HEMLOCK DR, NAVARRE, FL 32566-7743 |
| Document Number | 0044600202 |
|---|---|
| Date | Dec 20, 2023 |
| Book Page | 4460/202 |
| Instrument | 202356275 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 10, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2421 HEMLOCK DR, NAVARRE, FL 32566-7743 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0043611615 |
|---|---|
| Date | Jan 24, 2023 |
| Book Page | 4361/1615 |
| Instrument | 202303083 |
| Name | EGLIN FCU |
|---|---|
| Type | Credit Union |
| Address | FORT WALTON BEACH, FL 32547 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Nov 20, 2025 |
| Property Address | 2421 HEMLOCK DR, NAVARRE, FL 32566-7743 |
| Document Number | 0046810654 |
| Book / Page | 4681 / 654 |
| Map Reference | MB C PG 183 |
| Instrument Date | Nov 19, 2025 |
| Instrument | 202554625 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2025 |
| Title Company | EMERALD COAST TITLE INC - GULF BREEZE, EMERALD COAST TTL INC GULF B |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,695.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2599 CLIFF HOLLOW CIR, GULF BREEZE, FL 32563-9398 |
| Name | Verified Name |
|---|---|
| Address | 2421 HEMLOCK DR, NAVARRE, FL 32566-7743 |
| Document Number | 0004681656 |
|---|---|
| Date | Nov 20, 2025 |
| Instrument | 4681/656 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Mar 19, 2018 |
| Property Address | 2421 HEMLOCK DR, NAVARRE, FL 32566-7743 |
| Document Number | 0037100884 |
| Book / Page | 003710 / 000884 |
| Instrument Date | Feb 28, 2018 |
| Instrument | 10394 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2018 |
| Title Company | EMERALD COAST TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,243.90 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2421 HEMLOCK DR NAVARRE FL 325667743, NAVARRE, FL 32566-7743 |
| Document Number | 37100886 |
|---|---|
| Date | Mar 19, 2018 |
| Book Page | 003710/000886 |
| Instrument | 10395 |
| Name | GUARANTY TR |
|---|---|
| Address | MURFREESBORO, TN 37129 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 18, 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 | $273,022 (+4.78%) Land $75,000 Building $198,022 | $273,022 (+4.78%) Land $75,000 Building $198,022 | |
| 2024 | $3,051.00 (+4.63%) | $260,565 (+2.43%) Land $75,000 Building $185,565 | $260,565 (+2.43%) Land $75,000 Building $185,565 |
| 2023 | $2,916.00 (+15.9%) | $254,378 (+18.62%) Land $71,500 Building $182,878 | $254,378 (+18.62%) Land $71,500 Building $182,878 |
| 2022 | $2,516.00 | $214,443 | $214,443 Land $55,000 Building $159,443 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 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 |
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