Santa Rosa County property record for 2489 Cove Rd, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,653 sqft · built 2022 |
| Lot Size | 0.56 acres (24,394 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $827,900 (Mar 2022) |
| Tax Bill | $7,719 (2024) |
| Deeds & Mortgages | Mar 2022 Sale & Mortgage Jun 2020 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 18-2S-26-1920-15200-0860 |
| Primary APN | 18-2S-26-1920-15200-0860 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 3,653 sqft Living Area |
| Gross Area | 5,118 sqft |
| 1st Floor Area | 3,653 sqft |
| Upper Floors Area | 601 sqft |
| Flooring | Tile |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Material | Wood Shingle |
| Lot Area | 24,394 sqft (0.56 acres) |
| Garage Type | Attached |
| Garage Area | 784 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Finished/Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2489 COVE RD |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-8892 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HOLLEY BY THE SEA LOT 86 BLK 152 AS DES IN OR 4258 PG 1993 |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 18 |
| Legal Subdivision | HOLLEY SEA/1ST AMD |
| Legal Block | 152 |
| Legal Lot Number | 86 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 10822 |
Source: Santa Rosa County records, as of January 16, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2489 COVE RD, NAVARRE, FL 32566-8892 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 15, 2022 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Jun 9, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 15, 2022 · Amount on Record |
| Deed Sale | Mar 15, 2022 · Amount on Record |
| Prior Sale | Jun 9, 2020 · Amount on Record |
| Deed Document Number | 202215589 |
| Deed Book / Page | 4258 / 1993 |
| Prior Transfer Date | Jun 3, 2014 |
| Prior Transfer Doc | 0033741731 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Mar 15, 2022 |
| Property Address | 2489 COVE RD, NAVARRE, FL 32566-8892 |
| Document Number | 0042581993 |
| Book / Page | 4258 / 1993 |
| Map Reference | MB B PG 155 |
| Instrument Date | Mar 15, 2022 |
| Instrument | 202215589 |
| Transaction Type | Transfer |
| Record Updated | Apr 28, 2022 |
| Title Company | CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,795.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2938 PGA BLVD, 2938, NAVARRE, FL 32566-8824 |
| Name | Verified Name |
|---|---|
| Address | 2489 COVE RD, NAVARRE, FL 32566-8892 |
| Document Number | 0042581995 |
|---|---|
| Date | Mar 15, 2022 |
| Instrument | 4258/1995 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jun 9, 2020 |
| Property Address | 2489 COVE RD, NAVARRE, FL 32566-8892 |
| Document Number | 0039601349 |
| Book / Page | 003960 / 001349 |
| Instrument Date | Jun 9, 2020 |
| Instrument | 27504 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $525.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2938 PGA BLVD NAVARRE FL 325668824, NAVARRE, FL 32566-8824 |
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 | $712,374 (+2.9%) | $734,853 (+5.86%) Land $75,000 Building $659,853 | |
| 2024 | $7,719.00 (+1.77%) Homeowner's exemption Disabled Person's exemption | $692,297 (+3%) | $694,169 (+3.28%) Land $75,000 Building $619,169 |
| 2023 | $7,585.00 (+667.71%) | $672,133 (+1,029.64%) Land $63,750 Building $608,383 | $672,133 (+1,029.64%) Land $63,750 Building $608,383 |
| 2022 | $988.00 | $59,500 | $59,500 Land $59,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 30.1 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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 211 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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