2513 Cove Rd, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2513 Cove Rd, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,766 sqft · built 2003
Owner	Individual Name on File
Last Sale	$280,000 (Apr 2018)
Tax Bill	$3,017 (2024)
Deeds & Mortgages	Apr 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`18-2S-26-1920-15200-0820`

Property Details

APN / Parcel Number

Primary APN	`18-2S-26-1920-15200-0820`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,766 sqft Heated Area
Gross Area	3,570 sqft
1st Floor Area	3,186 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	384 sqft
Patio Area	294 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	182S261920152000820
Street Address	2513 COVE RD
City	NAVARRE
State	FL
Zip	32566-8750
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HOLLEY BY THE SEA LOT 82 BLK 152 AS DES IN OR 3715 PG 263
Legal Range	26W
Legal Township	02S
Legal Section	18
Legal Subdivision	BY THE SEA
Legal Block	152
Legal Lot Number	82
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1019
Census Tract	10822

Owner

2513 Cove Rd is owned and occupied by an individual who bought it in April 2018.

Source: Santa Rosa County records, as of October 27, 2025

Owner of Record	Individual Name on File
Mailing Address	2513 COVE RD, NAVARRE, FL 32566-8750
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2018 · Amount on File
Deed Sale	Apr 3, 2018 · Amount on File
Prior Sale	Oct 24, 2006 · Amount on File
Deed Document Number	201812761
Deed Book / Page	3715 / 0263
Record Updated	Jun 8, 2026

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 3, 2018
Property Address	2513 COVE RD, NAVARRE, FL 32566-8750
Document Number	0037150263
Book / Page	003715 / 000263
Instrument Date	Jan 4, 2018
Instrument	12761
Transaction Type	Transfer
Record Updated	Apr 12, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,960.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2513 COVE RD NAVARRE FL 325668750, NAVARRE, FL 32566-8750

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$3,017.00 (+2.24%) Homeowner's exemption	$282,828 (+3%)	$390,629 (+3.63%) Land $75,000 Building $315,629
2023	$2,951.00 (+2.71%) Homeowner's exemption	$274,590 (+3%)	$376,952 (+3.93%) Land $63,750 Building $313,202
2022	$2,873.00 Homeowner's exemption	$266,592	$362,683 Land $59,500 Building $303,183

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2513 Cove Rd in Zone X, an area of minimal flood risk, within 500 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 500 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	Hurricane Sally, Sep 2020 · 3 claims

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

Wildfire risk around 2513 Cove Rd is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 95% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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