Santa Rosa County property record for 2551 2nd Ct, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,942 sqft · built 1993 |
| Owner | Individual Name on Record |
| Last Sale | $422,500 (Mar 2023) |
| Tax Bill | $3,545 (2024) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-2S-26-1920-15400-0070 |
| Primary APN | 18-2S-26-1920-15400-0070 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,942 sqft Heated Area |
| Gross Area | 2,564 sqft |
| 1st Floor Area | 2,374 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Garage Area | 432 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 190 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 182S261920154000070 |
|---|---|
| Street Address | 2551 2ND CT |
| City | NAVARRE |
| State | FL |
| Zip | 32566-8759 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HOLLEY BY THE SEA LOT 7 BLK 154 AS DES IN OR 4377 PG 1632 |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 18 |
| Legal Subdivision | BY THE SEA |
| Legal Block | 154 |
| Legal Lot Number | 7 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 10822 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 2551 2ND CT, NAVARRE, FL 32566-8759 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 22, 2023 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Jun 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SOUTHPOINT FINANCIAL SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 22, 2023 · Amount on Record |
| Deed Sale | Mar 22, 2023 · Amount on Record |
| Prior Sale | Sep 13, 2013 · Amount on Record |
| Deed Document Number | 202312034 |
| Deed Book / Page | 4377 / 1632 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Mar 22, 2023 |
| Property Address | 2551 2ND CT, NAVARRE, FL 32566-8759 |
| Document Number | 0043771632 |
| Book / Page | 4377 / 1632 |
| Map Reference | MB B PG 155 |
| Instrument Date | Mar 13, 2023 |
| Instrument | 202312034 |
| Transaction Type | Transfer |
| Record Updated | Apr 18, 2023 |
| Title Company | RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,957.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 75 BUCKSTONE PL, WILLOW SPRING, NC 27592-3324 |
| Name | Verified Name |
|---|---|
| Address | 6585 DOVE CT, MASON, OH 45040-9371 |
| Document Number | 0043771634 |
|---|---|
| Date | Mar 22, 2023 |
| Instrument | 4377/1634 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Type Change Date | Apr 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.87% |
| Index | 1-Year T-Bill |
| Max Rate | 11.8% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2551 2ND CT, NAVARRE, FL 32566-8759 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2551 2ND CT, NAVARRE, FL 32566-8759 |
| Document Number | 0041330292 |
|---|---|
| Date | Jun 14, 2021 |
| Book Page | 4133/292 |
| Instrument | 202139808 |
| Name | SOUTHPOINT FINANCIAL SERVICES INC |
|---|---|
| Type | Subprime Lender |
| Address | ALPHARETTA, GA 30005 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jul 1, 2046 |
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 | $3,545.00 (+64.27%) Homeowner's exemption | $335,072 (+58.56%) Land $75,000 Building $260,072 | $335,072 (+0.61%) Land $75,000 Building $260,072 |
| 2023 | $2,158.00 (+2.86%) Homeowner's exemption | $211,321 (+3%) | $333,024 (+5%) Land $75,000 Building $258,024 |
| 2022 | $2,098.00 Homeowner's exemption | $205,166 | $317,159 Land $70,000 Building $247,159 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 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 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 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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 195 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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