Santa Rosa County property record for 2482 Pepper Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,026 sqft · built 2005 |
| Lot Size | 0.621 acres (27,051 sqft) |
| Owner | Owner Name on File |
| Last Sale | $272,100 (Jul 2012) |
| Tax Bill | $4,672 (2024) |
| Deeds & Mortgages | Feb 2022 Mortgage Feb 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-2S-26-1920-20900-0080 |
| Primary APN | 18-2S-26-1920-20900-0080 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,026 sqft Heated Area |
| Gross Area | 3,727 sqft |
| 1st Floor Area | 3,467 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Lot Area | 27,051 sqft (0.621 acres) |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 40 sqft |
| Patio Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 182S261920209000080 |
|---|---|
| Street Address | 2482 PEPPER DR |
| City | NAVARRE |
| State | FL |
| Zip | 32566-7736 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HOLLEY BY THE SEA LOT 8 BLK 209 AS DES IN OR 3153 PG 1349 |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 18 |
| Legal Subdivision | BY THE SEA |
| Legal Block | 209 |
| Legal Lot Number | 8 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 10822 |
The current owner of 2482 Pepper Dr bought it in July 2012.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 1608 WATERS EDGE DR, FLEMING ISLE, FL 32003-8692 |
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 |
|---|---|
| Feb 10, 2022 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY FIRST CREDIT UNION OF FLORIDA |
| Feb 25, 2019 | Deed of Trust, Mortgage TD BK NA |
| Feb 25, 2019 | Deed of Trust, Mortgage TD BK NA |
| Mar 16, 2017 | Deed of Trust, Mortgage · Conventional Mortgage HOMEOWNERS MTG ENTS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 13, 2012 · Amount on File |
| Deed Sale | Jul 13, 2012 · Amount on File |
| Prior Sale | Jul 9, 2009 · Amount on File |
| Deed Document Number | 201229380 |
| Deed Book / Page | 3153 / 1349 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2482 PEPPER DR, NAVARRE, FL 32566-7736 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1608 WATERS EDGE DR, FLEMING ISLAND, FL 32003-8692 |
| Document Number | 0042440779 |
|---|---|
| Date | Feb 10, 2022 |
| Book Page | 4244/779 |
| Instrument | 202208021 |
| Name | COMMUNITY FIRST CREDIT UNION OF FLORIDA |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32204 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2482 PEPPER DR, NAVARRE, FL 32566-7736 |
| Document Number | 0038071794 |
| Instrument Date | Feb 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2019 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 1608 WATERS EDGE DR FLEMING ISLAND FL 320038692, FLEMING ISLAND, FL 32003-8692 |
| Document Number | 0038071794 |
|---|---|
| Date | Mar 4, 2019 |
| Book Page | 003807/001794 |
| Instrument | 7999 |
| Name | TD BK NA |
|---|---|
| Type | Bank |
| Address | GREENVILLE, SC 29607 |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2482 PEPPER DR, NAVARRE, FL 32566-7736 |
| Document Number | 0038071096 |
| Instrument Date | Feb 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2019 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 1608 WATERS EDGE DR FLEMING ISLAND FL 320038692, FLEMING ISLAND, FL 32003-8692 |
| Document Number | 0038071096 |
|---|---|
| Date | Mar 1, 2019 |
| Book Page | 003807/001096 |
| Instrument | 7806 |
| Name | TD BK NA |
|---|---|
| Type | Bank |
| Address | GREENVILLE, SC |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2482 PEPPER DR, NAVARRE, FL 32566-7736 |
| Document Number | 0036131199 |
| Book / Page | 003613 / 001199 |
| Instrument Date | Mar 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2017 |
| Title Company | ATTORNEY'S TITLE |
| Name | Verified Name |
|---|---|
| Address | 1608 WATERS EDGE DR FLEMING ISLAND FL 320038692, FLEMING ISLAND, FL 32003-8692 |
| Document Number | 0036131199 |
|---|---|
| Date | Apr 10, 2017 |
| Book Page | 003613/001199 |
| Instrument | 13687 |
| Name | HOMEOWNERS MTG ENTS |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, SC 29205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 9, 2032 |
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 | $4,672.00 (+5.06%) | $399,693 (+3.26%) Land $75,000 Building $324,693 | $399,693 (+3.26%) Land $75,000 Building $324,693 |
| 2023 | $4,447.00 (+8.49%) | $387,057 (+9.51%) Land $65,000 Building $322,057 | $387,057 (+9.51%) Land $65,000 Building $322,057 |
| 2022 | $4,099.00 | $353,450 | $353,450 Land $50,000 Building $303,450 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2482 Pepper Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2004.
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 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.
Wildfire risk around 2482 Pepper Dr is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% 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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