Santa Rosa County property record for 2561 Oleander Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,682 sqft · built 1989 |
| Lot Size | 0.332 acres (14,462 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $399,000 (Dec 2024) |
| Tax Bill | $3,196 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Jun 2022 Sale + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-2S-26-1021-00300-0090 |
| Primary APN | 09-2S-26-1021-00300-0090 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,682 sqft Living Area |
| Gross Area | 2,904 sqft |
| 1st Floor Area | 1,682 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 14,462 sqft (0.332 acres) |
| Lot Dimensions | 145 ft deep x 100 ft wide |
| Garage Type | Detached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 502 sqft |
| Deck Area | 120 sqft |
| Patio Area | 117 sqft |
| Shed | 1 Shed |
| Shed Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2561 OLEANDER DR |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-2443 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 9 BLK 3 EAST BAY RIVER ESTATES 2ND ADD AS DES IN OR 4575 PG 564 |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 09 |
| Legal Subdivision | EAST BAY RIVER/2ND |
| Legal Block | 3 |
| Legal Lot Number | 9 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 10828 |
2561 Oleander Dr is owned and occupied by two individuals who bought it in December 2024.
Source: Santa Rosa County records, as of April 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2561 OLEANDER DR, NAVARRE, FL 32566-2443 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Nov 20, 2025 | Deed of Trust, Mortgage · VA Mortgage OLYMPIAN MORTGAGE LLC |
| Jun 9, 2022 | Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION |
| Oct 16, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Feb 6, 2020 | Intrafamily Transfer, Transfer · VA Mortgage FREEDOM MORTGAGE CORP |
| Apr 2, 2019 | Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Feb 26, 2018 | Warranty Deed, Transfer · VA Mortgage TRIDENT HM LNS |
| Oct 12, 2017 | Warranty Deed · VA Mortgage BANK OF ENGLAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 30, 2024 · Amount on File |
| Deed Sale | Dec 30, 2024 · Amount on File |
| Prior Sale | Jun 9, 2022 · Amount on File |
| Deed Document Number | 202458084 |
| Deed Book / Page | 4575 / 564 |
| Prior Transfer Date | Jan 24, 2020 |
| Prior Transfer Doc | 0039160709 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2561 OLEANDER DR, NAVARRE, FL 32566-2443 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2561 OLEANDER DR, NAVARRE, FL 32566-2443 |
| Document Number | 0046810037 |
|---|---|
| Date | Nov 20, 2025 |
| Book Page | 4681/37 |
| Instrument | 202554466 |
| Name | OLYMPIAN MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DEARBORN, MI 48124 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jun 9, 2022 |
| Property Address | 2561 OLEANDER DR, NAVARRE, FL 32566-2443 |
| Document Number | 0042931564 |
| Book / Page | 4293 / 1564 |
| Map Reference | MB D PG 97 |
| Instrument Date | May 31, 2022 |
| Instrument | 202234814 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount on Record |
|---|---|
| Tax | $2,800.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2561 OLEANDER DR, 2561, NAVARRE, FL 32566-2443 |
| Name | Verified Name |
|---|---|
| Address | 6358 ROYALTON RD SW, LANCASTER, OH 43130-9538 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2561 OLEANDER DR, NAVARRE, FL 32566-2443 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0040150810 |
|---|---|
| Date | Oct 16, 2020 |
| Book Page | 4015/810 |
| Instrument | 202053626 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Feb 6, 2020 |
| Property Address | 2561 OLEANDER DR, NAVARRE, FL 32566-2443 |
| Document Number | 0039160709 |
| Book / Page | 3916 / 709 |
| Map Reference | MB D PG 97 |
| Instrument Date | Jan 24, 2020 |
| Instrument | 202005819 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2561 OLEANDER DR, NAVARRE, FL 32566-2443 |
| Document Number | 0039160711 |
|---|---|
| Date | Feb 6, 2020 |
| Instrument | 3916/0711 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 2, 2019 |
| Property Address | 2561 OLEANDER DR, NAVARRE, FL 32566-2443 |
| Document Number | 0038160712 |
| Book / Page | 3816 / 0712 |
| Map Reference | MB D PG 97 |
| Instrument Date | Mar 26, 2019 |
| Instrument | 201912927 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | BRIGHT LIGHT LAND TTL CO LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,834.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 30 TYLER DR, 30, PINE GROVE, PA 17963-8050 |
| Name | Verified Name |
|---|---|
| Address | 2561 OLEANDER DR, NAVARRE, FL 32566-2443 |
| Document Number | 0201912928 |
|---|---|
| Date | Apr 2, 2019 |
| Instrument | 201912928 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Feb 26, 2018 |
| Property Address | 2561 OLEANDER DR, NAVARRE, FL 32566-2443 |
| Document Number | 0037041184 |
| Book / Page | 003704 / 001184 |
| Instrument Date | Feb 12, 2018 |
| Instrument | 7207 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2018 |
| Title Company | BRIGHT LIGHT LAND TITLE COMPANY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,729.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2561 OLEANDER DR NAVARRE FL 325662443, NAVARRE, FL 32566-2443 |
| Document Number | 37041187 |
|---|---|
| Date | Feb 26, 2018 |
| Book Page | 003704/001187 |
| Instrument | 7208 |
| Name | TRIDENT HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | GULF BREEZE, FL 32561 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 25, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Oct 12, 2017 |
| Property Address | 2561 OLEANDER DR, NAVARRE, FL 32566-2443 |
| Document Number | 0036700225 |
| Book / Page | 003670 / 000225 |
| Instrument Date | Jul 26, 2016 |
| Instrument | 42930 |
| Record Updated | Aug 25, 2018 |
| Title Company | FIRST INT'L TITLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5212 E WINDROSE DR SCOTTSDALE AZ 852544234, SCOTTSDALE, AZ 85254-4234 |
| Document Number | 36700232 |
|---|---|
| Date | Oct 12, 2017 |
| Book Page | 003670/000232 |
| Instrument | 42932 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 11, 2047 |
The 2025 property tax bill for 2561 Oleander Dr was $3,196, down 5.7% from the year before.
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 | $3,196.00 (-5.67%) | $306,909 (+8.9%) Land $50,000 Building $256,909 | $306,909 (+8.9%) Land $50,000 Building $256,909 |
| 2024 | $3,388.00 (-0.7%) | $281,826 (+0.5%) Land $42,000 Building $239,826 | $281,826 (+0.5%) Land $42,000 Building $239,826 |
| 2023 | $3,412.00 (+8.73%) | $280,420 (+9.97%) Land $42,000 Building $238,420 | $280,420 (+9.97%) Land $42,000 Building $238,420 |
| 2022 | $3,138.00 | $254,986 | $254,986 Land $32,000 Building $222,986 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2561 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 2561 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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