Santa Rosa County property record for 2574 1st Ct, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,982 sqft · built 1990 |
| Lot Size | 0.459 acres (19,994 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $429,000 (Jul 2025) |
| Tax Bill | $2,459 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Jul 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-2S-26-1920-15400-0110 |
| Primary APN | 18-2S-26-1920-15400-0110 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,982 sqft Living Area |
| Gross Area | 3,105 sqft |
| 1st Floor Area | 1,982 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 19,994 sqft (0.459 acres) |
| Lot Dimensions | 200 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 108 sqft |
| Patio Area | 316 sqft |
| Shed | 1 Shed |
| Shed Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2574 1ST CT |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-8736 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 11 BLK 154 HOLLEY BY THE SEA AS DES IN OR 4637 PG 1186 |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 18 |
| Legal Subdivision | HOLLEY SEA/1ST AMD |
| Legal Block | 154 |
| Legal Lot Number | 11 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 10822 |
2574 1st Ct is owned and occupied by two individuals who bought it in July 2025.
Source: Santa Rosa County records, as of April 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2574 1ST CT, NAVARRE, FL 32566-8736 |
| 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 |
|---|---|
| Dec 15, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jul 5, 2017 | Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2025 · Amount on File |
| Deed Sale | Jul 15, 2025 · Amount on File |
| Prior Sale | May 16, 2023 · Amount on File |
| Deed Document Number | 202532324 |
| Deed Book / Page | 4637 / 1186 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2574 1ST CT, NAVARRE, FL 32566-8736 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2574 1ST CT, NAVARRE, FL 32566-8736 |
| Document Number | 0040430926 |
|---|---|
| Date | Dec 15, 2020 |
| Book Page | 4043/926 |
| Instrument | 202067830 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jul 5, 2017 |
| Property Address | 2574 1ST CT, NAVARRE, FL 32566-8736 |
| Document Number | 0036391425 |
| Book / Page | 3639 / 1425 |
| Map Reference | MB B PG155 |
| Instrument Date | Jun 29, 2017 |
| Instrument | 201727224 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | FIRST INTERNATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,435.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2574 1ST CT, 2574, NAVARRE, FL 32566-8736 |
| Name | Verified Name |
|---|---|
| Address | 3003 CRITTENDEN DR, NAVARRE, FL 32566-8072 |
| Document Number | 0201727225 |
|---|---|
| Date | Jul 5, 2017 |
| Instrument | 201727225 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2047 |
The 2025 property tax bill for 2574 1st Ct was $2,459, up 3.8% 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 | $2,459.00 (+3.76%) | $237,173 (+2.9%) | $332,702 (+4.66%) Land $75,000 Building $257,702 |
| 2024 | $2,370.00 (+2.38%) Homeowner's exemption | $230,489 (+3%) | $317,878 (+0.98%) Land $75,000 Building $242,878 |
| 2023 | $2,315.00 (+3.07%) Homeowner's exemption | $223,776 (+3.23%) | $314,793 (+4.77%) Land $75,000 Building $239,793 |
| 2022 | $2,246.00 Homeowner's exemption | $216,773 | $300,458 Land $70,000 Building $230,458 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2574 1st Ct in Zone X, an area of minimal flood risk, though there have been 5 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 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.
Wildfire risk around 2574 1st Ct is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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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