2517 Elkhart Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2517 Elkhart Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,492 sqft · built 2022
Lot Size	0.458 acres (19,994 sqft)
Owner	Individual Name on Record
Last Sale	$533,000 (Jan 2022)
Tax Bill	$5,334 (2024)
Deeds & Mortgages	Mar 2021 Construction Loan Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-2S-26-1920-06300-0020`

Property Details

APN / Parcel Number

Primary APN	`18-2S-26-1920-06300-0020`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,492 sqft Heated Area
1st Floor Area	3,170 sqft
Flooring	Ceramic Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2022
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	19,994 sqft (0.458 acres)
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	182S261920063000020
Street Address	2517 ELKHART DR
City	NAVARRE
State	FL
Zip	32566-8350
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 2 BLK 63 HOLLEY BY THE SEA 1ST CORR & AMEND AS DES IN OR 4239 PG 1229
Legal Range	26W
Legal Township	02S
Legal Section	18
Legal Subdivision	BY THE SEA
Legal Block	63
Legal Lot Number	2
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1056
Census Tract	10820

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2517 ELKHART DR, NAVARRE, FL 32566-8350
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2021	Deed of Trust, Mortgage · Construction Mortgage WHITNEY BANK
Jan 31, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage TRIDENT HOME LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2022 · Amount on Record
Deed Sale	Jan 31, 2022 · Amount on Record
Prior Sale	Oct 13, 1997 · Amount on Record
Deed Document Number	0042391229
Deed Book / Page	4239 / 1229
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2517 ELKHART DR, NAVARRE, FL 32566-8350
Transaction Type	Mortgage
Record Updated	Mar 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8173 E BAY BLVD A, A, NAVARRE, FL 32566-8977
Investor	Possibly a Property Investor

Mortgage

Document Number	0040820466
Date	Mar 5, 2021
Book Page	4082/466
Instrument	202114574

Lender

Name	WHITNEY BANK
Type	Bank
Address	PENSACOLA, FL 32502

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

January 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jan 31, 2022
Property Address	2517 ELKHART DR, NAVARRE, FL 32566-8350
Document Number	0042391229
Book / Page	4239 / 1229
Map Reference	MB C PG 166
Instrument Date	Jan 31, 2022
Instrument	202205660
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 14, 2023
Title Company	COTTON LAND TITLE INC, COTTON LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,731.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5173 EAST BAY BOULEVARD #AA, AA, NAVARRE, FL 32566

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2517 ELKHART DR, NAVARRE, FL 32566-8350

Mortgage

Document Number	0042391230
Date	Jan 31, 2022
Instrument	4239/1230

Lender

Name	TRIDENT HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

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	$5,334.00 (+2.28%)	$449,325 (+3.75%) Land $71,250 Building $378,075	$449,325 (+3.75%) Land $71,250 Building $378,075
2023	$5,215.00 (+596.26%)	$433,072 (+811.73%) Land $61,750 Building $371,322	$433,072 (+811.73%) Land $61,750 Building $371,322
2022	$749.00	$47,500	$47,500 Land $47,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 Record median of 311 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	311 in force
Nearby Flood Claims	49 (1995–2020)
Claims Outside the SFHA	1 of 49
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 35 claims Hurricane Frances, Sep 2004 · 11 claims Hurricane Opal, Oct 1995 · 2 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

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

Wildfire Risk	Moderate above 61% of the US · lower than 63% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	MIDWAY WATER SYSTEM, INC. serves 21,196 people · EPA ID FL1570470
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 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	1 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 178 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50

May also be available: Ripple Broadband.

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