Santa Rosa County property record for 2585 Cove Rd, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,183 sqft · built 2017 |
| Lot Size | 0.482 acres (20,996 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $477,000 (Jun 2017) |
| Tax Bill | $3,594 (2024) |
| Deeds & Mortgages | Nov 2020 Mortgage Jun 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-2S-26-1920-15200-0700 |
| Primary APN | 18-2S-26-1920-15200-0700 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,183 sqft Heated Area |
| Gross Area | 5,154 sqft |
| 1st Floor Area | 4,117 sqft |
| Attic | Attic |
| Attic Area | 552 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Lot Area | 20,996 sqft (0.482 acres) |
| Lot Dimensions | 2,000 ft deep x 1,050 ft wide |
| Garage Area | 934 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 485 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 182S261920152000700 |
|---|---|
| Street Address | 2585 COVE RD |
| City | NAVARRE |
| State | FL |
| Zip | 32566-8750 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HOLLEY BY THE SEA LOT 70 BLK 152 AS DES IN OR 3636 PG 670 |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 18 |
| Legal Subdivision | BY THE SEA |
| Legal Block | 152 |
| Legal Lot Number | 70 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1019 |
| 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 Individual Names on Record |
|---|---|
| Mailing Address | 2585 COVE RD, NAVARRE, FL 32566-8750 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 6, 2020 | Deed of Trust, Mortgage · VA Mortgage TRIDENT HOME LOANS |
| Jun 26, 2017 | Warranty Deed, Subdivision Related Transfer · VA Mortgage TRIDENT HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 26, 2017 · Amount on Record |
| Deed Sale | Jun 26, 2017 · Amount on Record |
| Prior Sale | Jan 10, 2005 · Amount on Record |
| Deed Document Number | 201725703 |
| Deed Book / Page | 3636 / 0670 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2585 COVE RD, NAVARRE, FL 32566-8750 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2585 COVE RD, NAVARRE, FL 32566-8750 |
| Document Number | 0040251800 |
|---|---|
| Date | Nov 6, 2020 |
| Book Page | 4025/1800 |
| Instrument | 202058814 |
| Name | TRIDENT HOME LOANS |
|---|---|
| Type | Mortgage Company |
| Address | GULF BREEZE, FL 32561 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jun 26, 2017 |
| Property Address | 2585 COVE RD, NAVARRE, FL 32566-8750 |
| Document Number | 0036360670 |
| Book / Page | 003636 / 000670 |
| Instrument Date | Jun 22, 2017 |
| Instrument | 25703 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 11, 2017 |
| Title Company | COTTON LAND TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,339.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1108 SONATA WAY ROYAL PALM BEACH FL 334113110, ROYAL PALM BEACH, FL 33411-3110 |
| Document Number | 36360671 |
|---|---|
| Date | Jun 26, 2017 |
| Book Page | 003636/000671 |
| Instrument | 25704 |
| Name | TRIDENT HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | GULF BREEZE, FL 32561 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 25, 2047 |
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 | $3,594.00 (+2.33%) Homeowner's exemption Disabled Person's exemption | $329,388 (+3%) | $608,963 (+0.81%) Land $75,000 Building $533,963 |
| 2023 | $3,512.00 (+2.75%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $319,794 (+3%) | $604,092 (+5.5%) Land $75,000 Building $529,092 |
| 2022 | $3,418.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $310,480 | $572,615 Land $70,000 Building $502,615 |
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 | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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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