Santa Rosa County property record for 2495 Cove Rd, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,662 sqft · built 2005 |
| Owner | Individual Name on File |
| Last Sale | $196,100 (Mar 2005) |
| Tax Bill | $1,853 (2024) |
| Deeds & Mortgages | Dec 2023 Mortgage Nov 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-2S-26-1920-15200-0850 |
| Primary APN | 18-2S-26-1920-15200-0850 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,662 sqft Heated Area |
| Gross Area | 3,766 sqft |
| 1st Floor Area | 3,082 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Garage Type | Mixed |
| Garage Area | 420 sqft |
| Carport | Carport |
| Carport Area | 420 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Finished/Screened Porch |
|---|---|
| Porch Area | 684 sqft |
| Patio Area | 80 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 182S261920152000850 |
|---|---|
| Street Address | 2495 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 85 BLK 152 AS DES IN OR 2421 PG 727 |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 18 |
| Legal Subdivision | BY THE SEA |
| Legal Block | 152 |
| Legal Lot Number | 85 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 10822 |
2495 Cove Rd is owned and occupied by an individual who bought it in March 2005.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2495 COVE RD, NAVARRE, FL 32566-8892 |
| 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 |
|---|---|
| Dec 27, 2023 | Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Nov 22, 2022 | Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Dec 2, 2019 | Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 21, 2005 · Amount on File |
| Deed Sale | Mar 21, 2005 · Amount on File |
| Prior Sale | Aug 26, 2003 · Amount on File |
| Deed Document Number | 200517640 |
| Deed Book / Page | 2421 / 0727 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2495 COVE RD, NAVARRE, FL 32566-8892 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2024 |
| Name | Verified Name |
|---|---|
| Address | 2495 COVE RD, NAVARRE, FL 32566-8892 |
| Document Number | 0044611356 |
|---|---|
| Date | Dec 27, 2023 |
| Book Page | 4461/1356 |
| Instrument | 202357020 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2495 COVE RD, NAVARRE, FL 32566-8892 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2022 |
| Title Company | KNIGHT BARRY TITLE |
| Name | Verified Name |
|---|---|
| Address | 2495 COVE RD, NAVARRE, FL 32566-8892 |
| Document Number | 0043461606 |
|---|---|
| Date | Nov 22, 2022 |
| Book Page | 4346/1606 |
| Instrument | 202264939 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2495 COVE RD, NAVARRE, FL 32566-8892 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0038950747 |
|---|---|
| Date | Dec 2, 2019 |
| Book Page | 3895/0747 |
| Instrument | 201954117 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60607 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 1, 2049 |
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 | $1,853.00 (-26.93%) Homeowner's exemption Disabled Person's exemption | $244,840 (+3%) | $377,930 (+3.76%) Land $75,000 Building $302,930 |
| 2023 | $2,536.00 (+2.84%) Homeowner's exemption | $237,709 (+3%) | $364,246 (+4.04%) Land $63,750 Building $300,496 |
| 2022 | $2,466.00 Homeowner's exemption | $230,785 | $350,117 Land $59,500 Building $290,617 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2495 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 2495 Cove Rd is low, with a 0.04% annual chance of wildfire.
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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