Santa Rosa County property record for 2675 Cove Rd, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,242 sqft · built 1993 |
| Owner | Individual Name on Record |
| Last Sale | $25,000 (Oct 1992) |
| Tax Bill | $4,307 (2024) |
| Deeds & Mortgages | Nov 2019 Mortgage Feb 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-2S-26-1920-15200-0550 |
| Primary APN | 18-2S-26-1920-15200-0550 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,242 sqft Heated Area |
| Gross Area | 5,599 sqft |
| 1st Floor Area | 3,918 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Garage Area | 676 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 429 sqft |
| Deck Area | 544 sqft |
| Patio Area | 1,028 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 182S261920152000550 |
|---|---|
| Street Address | 2675 COVE RD |
| City | NAVARRE |
| State | FL |
| Zip | 32566-8784 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HOLLEY BY THE SEA LOT 55 BLK 152 AS DES IN OR 1308 PG 431 |
| Legal Range | 26W |
| Legal Township | 02S |
| Legal Section | 18 |
| Legal Subdivision | BY THE SEA |
| Legal Block | 152 |
| Legal Lot Number | 55 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 2675 COVE RD, NAVARRE, FL 32566-8784 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 19, 2019 | Deed of Trust, Mortgage · VA Mortgage USAA |
| Feb 19, 2019 | Deed of Trust, Mortgage · VA Mortgage USAA |
| Jan 17, 2017 | Deed of Trust, Mortgage · VA Mortgage USAA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 1, 1992 · Amount on Record |
| Deed Sale | Oct 1, 1992 · Amount on Record |
| Deed Document Number | 0001308431 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2675 COVE RD, NAVARRE, FL 32566-8784 |
| Document Number | 0039051752 |
| Instrument Date | Nov 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 2675 COVE RD NAVARRE FL 325668784, NAVARRE, FL 32566-8784 |
| Document Number | 0039051752 |
|---|---|
| Date | Jan 2, 2020 |
| Book Page | 003905/001752 |
| Instrument | 232 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2675 COVE RD, NAVARRE, FL 32566-8784 |
| Document Number | 0038110695 |
| Instrument Date | Feb 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 9, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 2675 COVE RD NAVARRE FL 325668784, NAVARRE, FL 32566-8784 |
| Document Number | 0038110695 |
|---|---|
| Date | Mar 14, 2019 |
| Book Page | 003811/000695 |
| Instrument | 9962 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 13, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2675 COVE RD, NAVARRE, FL 32566-8784 |
| Document Number | 0035931704 |
| Book / Page | 003593 / 001704 |
| Instrument Date | Jan 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2017 |
| Name | Verified Name |
|---|---|
| Address | 2675 COVE RD NAVARRE FL 325668784, NAVARRE, FL 32566-8784 |
| Document Number | 0035931704 |
|---|---|
| Date | Jan 26, 2017 |
| Book Page | 003593/001704 |
| Instrument | 3162 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 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 | $4,307.00 (+2.06%) Homeowner's exemption | $390,474 (+3%) | $610,476 (+0.99%) Land $75,000 Building $535,476 |
| 2023 | $4,220.00 (+2.53%) Homeowner's exemption | $379,101 (+3%) | $604,465 (+8.72%) Land $75,000 Building $529,465 |
| 2022 | $4,116.00 Homeowner's exemption | $368,059 | $555,987 Land $70,000 Building $485,987 |
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 100 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 40% of the US · lower than 87% 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 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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