Santa Rosa County property record for 2555 Cedarcrest Ln, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,152 sqft |
| Lot Size | 1.04 acres (45,390 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $80,000 (Oct 2022) |
| Tax Bill | $1,083 (2024) |
| Deeds & Mortgages | Mar 2024 Construction Loan Oct 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-2S-26-1020-00500-0030 |
| Primary APN | 09-2S-26-1020-00500-0030 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,152 sqft Living Area |
| Gross Area | 2,508 sqft |
| 1st Floor Area | 1,152 sqft |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Concrete |
|---|---|
| Construction Type | Wood |
| Roof Material | Metal |
| Lot Area | 45,390 sqft (1.04 acres) |
| Lot Dimensions | 261 ft deep x 141 ft wide |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Porch | Finished/Open Porch |
| Patio Area | 576 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2555 CEDARCREST LN |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-2481 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | EAST BAY RIVER ESTATES LOT 3 BLK 5 AS DES IN OR 4338 PG 232 |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 09 |
| Legal Subdivision | EAST BAY RVR/1ST ADD |
| Legal Block | 5 |
| Legal Lot Number | 3 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 10828 |
Source: Santa Rosa County records, as of December 8, 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 | 1981 HIGHWAY 87, NAVARRE, FL 32566-1046 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 26, 2024 | Deed of Trust, Mortgage · Construction Mortgage UNIVERSITY BANK |
| Oct 21, 2022 | Deed, Transfer · Conventional Mortgage CENTENNIAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 21, 2022 · Amount on Record |
| Deed Sale | Oct 21, 2022 · Amount on Record |
| Deed Document Number | 202259980 |
| Deed Book / Page | 4338 / 232 |
| Prior Transfer Date | Jan 11, 2007 |
| Prior Transfer Doc | 0026901915 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2555 CEDARCREST LN, NAVARRE, FL 32566-2481 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1981 HIGHWAY 87, NAVARRE, FL 32566-1046 |
| Document Number | 0044861449 |
|---|---|
| Date | Mar 26, 2024 |
| Book Page | 4486/1449 |
| Instrument | 202413052 |
| Name | UNIVERSITY BANK |
|---|---|
| Type | Bank |
| Address | ANN ARBOR, MI 48104 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 370 Months |
| Due | Jan 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Oct 21, 2022 |
| Property Address | 2555 CEDARCREST LN, NAVARRE, FL 32566-2481 |
| Document Number | 0043380232 |
| Book / Page | 4338 / 232 |
| Map Reference | MB C PG 102 |
| Instrument Date | Oct 13, 2022 |
| Instrument | 202259980 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $560.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15 RUE DE LE ROI ST NE, FORT WALTON BEACH, FL 32547-1718 |
| Name | Verified Name |
|---|---|
| Address | 2609 HARTMAN CT, NAVARRE, FL 32566-2571 |
| Document Number | 0004338235 |
|---|---|
| Date | Oct 21, 2022 |
| Instrument | 4338/235 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Type Change Date | Nov 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 4.5% |
| Max Rate At Change | 8.5% |
| Index | 1-Year CMT |
| Max Rate | 12.5% |
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 | $90,000 (-) Land $90,000 | $90,000 (-) Land $90,000 | |
| 2024 | $1,083.00 (+32.23%) | $90,000 (+32.35%) Land $90,000 | $90,000 (+32.35%) Land $90,000 |
| 2023 | $819.00 (+10.38%) | $68,000 (-) Land $68,000 | $68,000 (-) Land $68,000 |
| 2022 | $742.00 | $68,000 | $68,000 Land $68,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
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 | 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 79 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures