Santa Rosa County property record for 2574 Pepper Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,992 sqft · built 2006 |
| Lot Size | 0.701 acres (30,579 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $329,100 (Jun 2006) |
| Tax Bill | $2,711 (2024) |
| Deeds & Mortgages | Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-2S-26-1921-02600-0040 |
| Primary APN | 18-2S-26-1921-02600-0040 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,992 sqft Heated Area |
| Gross Area | 3,839 sqft |
| 1st Floor Area | 3,433 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Lot Area | 30,579 sqft (0.701 acres) |
| Lot Dimensions | 3,090 ft deep x 750 ft wide |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 266 sqft |
| Patio Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 182S261921026000040 |
|---|---|
| Street Address | 2574 PEPPER DR |
| City | NAVARRE |
| State | FL |
| Zip | 32566-7784 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HOLLEY BY THE SEA 2ND CORR & AMENDED LOT 4 BLK 26 AS DES IN OR 2608 PG 304 |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 18 |
| Legal Subdivision | BY THE SEA |
| Legal Block | 26 |
| Legal Lot Number | 4 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1009 |
| 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 | 2 Owner Names on Record |
|---|---|
| Mailing Address | 2574 PEPPER DR, NAVARRE, FL 32566-7784 |
| Occupancy | Owner Occupied |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 2006 · Amount on Record |
| Deed Sale | Jun 1, 2006 · Amount on Record |
| Prior Sale | Sep 9, 2005 · Amount on Record |
| Deed Document Number | 200630741 |
| Deed Book / Page | 2608 / 0304 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2574 PEPPER DR, NAVARRE, FL 32566-7784 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2574 PEPPER DR, NAVARRE, FL 32566-7784 |
| Document Number | 0040241533 |
|---|---|
| Date | Nov 4, 2020 |
| Book Page | 4024/1533 |
| Instrument | 202058300 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 1, 2035 |
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 | $2,711.00 (+2.42%) Homeowner's exemption Disabled Person's exemption | $260,210 (+3%) | $419,518 (+2.45%) Land $78,750 Building $340,768 |
| 2023 | $2,647.00 (+2.88%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $252,631 (+3%) | $409,472 (+9.66%) Land $71,500 Building $337,972 |
| 2022 | $2,573.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $245,273 | $373,404 Land $55,000 Building $318,404 |
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 |
|---|---|
| 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 | Moderate above 44% of the US · lower than 85% 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 194 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: LiveOak Fiber.
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