Santa Rosa County property record for 2554 Oleander Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,465 sqft · built 1989 |
| Lot Size | 0.331 acres (14,418 sqft) |
| Owner | Individual Name on File |
| Last Sale | $325,000 (Apr 2025) |
| Tax Bill | $2,397 (2024) |
| Deeds & Mortgages | Apr 2025 Sale & Mortgage Jun 2021 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-2S-26-1021-00400-0030 |
| Primary APN | 09-2S-26-1021-00400-0030 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,465 sqft Living Area |
| Gross Area | 2,237 sqft |
| 1st Floor Area | 1,465 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 14,418 sqft (0.331 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 248 sqft |
| Deck Area | 168 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2554 OLEANDER DR |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-2440 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | EAST BAY RIVER ESTATES 2ND ADD LOT 3 BLK 4 AS DES IN OR 4604 PG 832 |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 09 |
| Legal Subdivision | EAST BAY RIVER/2ND |
| Legal Block | 4 |
| Legal Lot Number | 3 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 10828 |
2554 Oleander Dr is owned and occupied by an individual who bought it in April 2025.
Source: Santa Rosa County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2554 OLEANDER DR, NAVARRE, FL 32566-2440 |
| 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 |
|---|---|
| Apr 11, 2025 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jun 7, 2021 | Intrafamily Transfer, Transfer |
| Aug 17, 2020 | Warranty Deed, Transfer · VA Mortgage TRIDENT HOME LOANS |
| Mar 2, 2018 | Deed of Trust, Transfer · VA Mortgage MORTGAGE ONE/SOUTH |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 11, 2025 · Amount on File |
| Deed Sale | Apr 11, 2025 · Amount on File |
| Prior Sale | Aug 17, 2020 · Amount on File |
| Deed Document Number | 202515843 |
| Deed Book / Page | 4604 / 832 |
| Prior Transfer Date | May 4, 2021 |
| Prior Transfer Doc | 0041290275 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 11, 2025 |
| Property Address | 2554 OLEANDER DR, NAVARRE, FL 32566-2440 |
| Document Number | 0046040832 |
| Book / Page | 4604 / 832 |
| Map Reference | MB D PG 97 |
| Instrument Date | Apr 8, 2025 |
| Instrument | 202515843 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Title Company | SCENIC TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,275.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 60 4TH ST, SHALIMAR, FL 32579-1774 |
| Name | Verified Name |
|---|---|
| Address | 2554 OLEANDER DR, NAVARRE, FL 32566-2440 |
| Document Number | 0004604834 |
|---|---|
| Date | Apr 11, 2025 |
| Instrument | 4604/834 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jun 7, 2021 |
| Property Address | 2554 OLEANDER DR, NAVARRE, FL 32566-2440 |
| Document Number | 0041290275 |
| Book / Page | 4129 / 275 |
| Map Reference | MB D PG 97 |
| Instrument Date | May 4, 2021 |
| Instrument | 202137808 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7787 COTTONWOOD AVE, 7787, FAYETTEVILLE, NC 28314-6482 |
| Name | Verified Name |
|---|---|
| Address | 2554 OLEANDER DR, NAVARRE, FL 32566-2440 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Aug 17, 2020 |
| Property Address | 2554 OLEANDER DR, NAVARRE, FL 32566-2440 |
| Document Number | 0039901713 |
| Book / Page | 3990 / 1713 |
| Map Reference | MB D PG 97 |
| Instrument Date | Aug 4, 2020 |
| Instrument | 202041527 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | OLD SOUTH LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,540.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 601 MENAUL BLVD NE, 601, ALBUQUERQUE, NM 87107-1531 |
| Name | Verified Name |
|---|---|
| Address | 2554 OLEANDER DR, NAVARRE, FL 32566-2440 |
| Document Number | 0039901718 |
|---|---|
| Date | Aug 17, 2020 |
| Instrument | 3990/1718 |
| Name | TRIDENT HOME LOANS |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2554 OLEANDER DR, NAVARRE, FL 32566-2440 |
| Document Number | 0037062032 |
| Instrument Date | Mar 2, 2018 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2018 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 2554 OLEANDER DR NAVARRE FL 325662440, NAVARRE, FL 32566-2440 |
| Document Number | 0037062032 |
|---|---|
| Date | Mar 6, 2018 |
| Book Page | 003706/002032 |
| Instrument | 8460 |
| Name | MORTGAGE ONE/SOUTH |
|---|---|
| Type | Mortgage Company |
| Address | FORT WALTON BEACH, FL 32548 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 5, 2048 |
Source: Santa Rosa County assessment roll, as of December 8, 2025
| 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 |
|---|---|---|---|
| 2025 | $209,557 (+6.09%) Land $50,000 Building $159,557 | $209,557 (+6.09%) Land $50,000 Building $159,557 | |
| 2024 | $2,397.00 (-0.95%) | $197,523 (+0.17%) Land $42,000 Building $155,523 | $197,523 (+0.17%) Land $42,000 Building $155,523 |
| 2023 | $2,420.00 (+7.8%) | $197,192 (+8.99%) Land $42,000 Building $155,192 | $197,192 (+8.99%) Land $42,000 Building $155,192 |
| 2022 | $2,245.00 | $180,927 | $180,927 Land $32,000 Building $148,927 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2554 Oleander 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 2554 Oleander Dr is moderate, ranking above 45% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within 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 199 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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