Santa Rosa County property record for 2427 Panhandle Trl, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,288 sqft · built 2018 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on File |
| Last Sale | $280,000 (May 2018) |
| Tax Bill | $4,095 (2024) |
| Deeds & Mortgages | Sep 2017 Mortgage May 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-2S-26-0000-21700-0000 |
| Primary APN | 15-2S-26-0000-21700-0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,288 sqft Heated Area |
| Gross Area | 3,038 sqft |
| 1st Floor Area | 2,708 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 13,068 sqft (0.3 acres) |
| Lot Dimensions | 1,320 ft deep x 990 ft wide |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 330 sqft |
| Shed | 1 Shed |
| Shed Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 152S260000217000000 |
|---|---|
| Street Address | 2427 PANHANDLE TRL |
| City | NAVARRE |
| State | FL |
| Zip | 32566-1500 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1M |
| Legal Description | N 99.18 FT OF S 198.36 FT OF E2 OF NE4 OF SE4 OF NW4 OF NE4 LESS THE E 33 FT FOR RD R/W AS DES IN OR 3725 PG 1726 LESS ALL |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 15 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 10827 |
2427 Panhandle Trl is owned and occupied by an individual who bought it in May 2018.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2427 PANHANDLE TRL, NAVARRE, FL 32566-1500 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Sep 19, 2017 | Deed of Trust, Mortgage · Commercial Mortgage FIRST FLORIDA BANK |
| May 8, 2018 | Warranty Deed, Subdivision Related Transfer · VA Mortgage FIRST FLORIDA BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 8, 2018 · Amount on File |
| Deed Sale | May 8, 2018 · Amount on File |
| Prior Sale | Aug 16, 2016 · Amount on File |
| Deed Document Number | 201818403 |
| Deed Book / Page | 3725 / 1726 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2427 PANHANDLE TRL, NAVARRE, FL 32566-1500 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0036620470 |
|---|---|
| Date | Sep 19, 2017 |
| Book Page | 3662/0470 |
| Instrument | 201738854 |
| Name | FIRST FLORIDA BANK |
|---|---|
| Type | Bank |
| Address | DESTIN, FL 32541 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | May 8, 2018 |
| Property Address | 2427 PANHANDLE TRL, NAVARRE, FL 32566-1500 |
| Document Number | 0037251726 |
| Book / Page | 3725 / 1726 |
| Instrument Date | May 4, 2018 |
| Instrument | 201818403 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | MEAD LAW & TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,960.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 105 AUBURN RD, 105, FORT WALTON BEACH, FL 32547-2247 |
| Name | Verified Name |
|---|---|
| Address | 2427 PANHANDLE TRL, NAVARRE, FL 32566-1500 |
| Document Number | 0201818404 |
|---|---|
| Date | May 8, 2018 |
| Instrument | 201818404 |
| Name | FIRST FLORIDA BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2048 |
Source: Santa Rosa County assessment roll, as of July 1, 2024
| 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 |
|---|---|---|---|
| 2024 | $4,095.00 (+0.64%) | $342,540 (+1.99%) Land $35,640 Building $306,900 | $342,540 (+1.99%) Land $35,640 Building $306,900 |
| 2023 | $4,069.00 (+6.77%) | $335,853 (+4.69%) Land $32,076 Building $303,777 | $335,853 (+4.69%) Land $32,076 Building $303,777 |
| 2022 | $3,811.00 | $320,799 | $320,799 Land $26,730 Building $294,069 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2427 Panhandle Trl in Zone X, an area of minimal flood risk, though there have been 7 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 Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 117 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 117 in force |
| Nearby Flood Claims | 7 (2014–2025) |
| Claims Outside the SFHA | 7 of 7 |
| Most Recent Claim | May 2025 · 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 2427 Panhandle Trl is moderate, ranking above 58% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 58% of the US · lower than 69% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 140 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
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