Santa Rosa County property record for 2585 Oleander Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,304 sqft · built 1988 |
| Lot Size | 0.332 acres (14,462 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $151,000 (Nov 2013) |
| Tax Bill | $1,048 (2025) |
| Deeds & Mortgages | Aug 2019 Mortgage Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-2S-26-1021-00300-0130 |
| Primary APN | 09-2S-26-1021-00300-0130 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,304 sqft Living Area |
| Gross Area | 2,021 sqft |
| 1st Floor Area | 1,304 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| 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 | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
|---|---|
| Porch Area | 237 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2585 OLEANDER DR |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-2443 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | EAST BAY RIVER ESTATES 2ND ADD LOT 13 BLK 3 AS DES IN OR 3305 PG 1606 & AS DES IN OR 4104 PG 186 |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 09 |
| Legal Subdivision | EAST BAY RIVER/2ND |
| Legal Block | 3 |
| Legal Lot Number | 13 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 10828 |
2585 Oleander Dr is owned and occupied by two individuals who acquired it in March 2021.
Source: Santa Rosa County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2585 OLEANDER DR, NAVARRE, FL 32566-2443 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Aug 29, 2019 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Apr 15, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage LOANPAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 22, 2013 · Amount on File |
| Deed Sale | Nov 22, 2013 · Amount on File |
| Prior Sale | Jun 25, 2013 |
| Deed Document Number | 201365239 |
| Deed Book / Page | 3305 / 1606 |
| Last Transfer Date | Mar 20, 2021 |
| Transfer Doc | 0041040186 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2585 OLEANDER DR, NAVARRE, FL 32566-2443 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0038641595 |
|---|---|
| Date | Aug 29, 2019 |
| Book Page | 3864/1595 |
| Instrument | 201938411 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 15, 2021 |
| Property Address | 2585 OLEANDER DR, NAVARRE, FL 32566-2443 |
| Document Number | 0041040186 |
| Book / Page | 4104 / 186 |
| Map Reference | MB D PG 97 |
| Instrument Date | Mar 20, 2021 |
| Instrument | 202124973 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | TIMIOS INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2585 OLEANDER DR, NAVARRE, FL 32566-2443 |
| Document Number | 0004104189 |
|---|---|
| Date | Apr 15, 2021 |
| Instrument | 4104/189 |
| Name | LOANPAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
The 2025 property tax bill for 2585 Oleander Dr was $1,048 with a homeowner's exemption, up 4.6% 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 | $1,048.00 (+4.59%) Homeowner's exemption | $116,303 (+2.9%) | $180,266 (+7.09%) Land $50,000 Building $130,266 |
| 2024 | $1,002.00 (+3.62%) Homeowner's exemption | $113,025 (+3%) | $168,335 (+0.49%) Land $42,000 Building $126,335 |
| 2023 | $967.00 (+3.87%) Homeowner's exemption | $109,733 (+3%) | $167,513 (+10.27%) Land $42,000 Building $125,513 |
| 2022 | $931.00 Homeowner's exemption | $106,537 | $151,911 Land $32,000 Building $119,911 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2585 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 2585 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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