Santa Rosa County property record for 2545 Bluewater Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,289 sqft · built 1999 |
| Lot Size | 0.96 acres (41,818 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $160,500 (Dec 1999) |
| Tax Bill | $2,063 (2024) |
| Deeds & Mortgages | May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-2S-26-5689-01100-0010 |
| Primary APN | 11-2S-26-5689-01100-0010 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,289 sqft Heated Area |
| Gross Area | 2,991 sqft |
| 1st Floor Area | 2,709 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Asphalt |
| Lot Area | 41,818 sqft (0.96 acres) |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 36 sqft |
| Patio Area | 246 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 112S265689011000010 |
|---|---|
| Street Address | 2545 BLUEWATER DR |
| City | NAVARRE |
| State | FL |
| Zip | 32566-2512 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | WHISPERING PINES ESTATES PHASE II LOT 1 BLK 11 AS DES IN OR 1796 PG 1512 |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 11 |
| Legal Subdivision | WHISPERING PINES ESTATES |
| Legal Phase | 2 |
| Legal Block | 11 |
| Legal Lot Number | 1 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 10828 |
The current owner of 2545 Bluewater Dr bought it in December 1999.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | PO BOX 334, MARY ESTHER, FL 32569-0334 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 3, 1999 · Amount on File |
| Deed Sale | Dec 3, 1999 · Amount on File |
| Prior Sale | Jun 8, 1999 · Amount on File |
| Deed Document Number | 0179601512 |
| Deed Book / Page | 01796 / 01512 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2545 BLUEWATER DR, NAVARRE, FL 32566-2512 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0036201594 |
|---|---|
| Date | May 2, 2017 |
| Book Page | 3620/1594 |
| Instrument | 201717202 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | JACKSON, MS 39225 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2047 |
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 | $2,063.00 (+2.59%) Homeowner's exemption Disabled Person's exemption | $208,747 (+3%) | $351,470 (+6.99%) Land $100,000 Building $251,470 |
| 2023 | $2,011.00 (+3.02%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $202,667 (+3%) | $328,504 (+11.72%) Land $80,000 Building $248,504 |
| 2022 | $1,952.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $196,764 | $294,044 Land $50,000 Building $244,044 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2545 Bluewater Dr in Zone X, an area of minimal flood risk, though there have been 10 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 114 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 114 in force |
| Nearby Flood Claims | 10 (2004–2024) |
| Claims Outside the SFHA | 3 of 10 |
| Most Recent Claim | Jun 2024 · 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 2545 Bluewater Dr is moderate, ranking above 61% of the US, with a 0.2% annual chance of 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 119 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
5G (outdoors only) and 4G LTE
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