2684 Citrus Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2684 Citrus Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,873 sqft · built 1994
Lot Size	0.676 acres (29,490 sqft)
Owner	2 Individual Names on File
Last Sale	$154,800 (Jun 1994)
Tax Bill	$200 (2024)
Deeds & Mortgages	Jun 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`18-2S-26-1921-02800-0030`

Property Details

APN / Parcel Number

Primary APN	`18-2S-26-1921-02800-0030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,873 sqft Heated Area
Gross Area	3,051 sqft
1st Floor Area	2,335 sqft
Flooring	Ceramic Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	29,490 sqft (0.676 acres)
Lot Dimensions	2,950 ft deep x 1,000 ft wide
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	464 sqft
Deck Area	252 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	182S261921028000030
Street Address	2684 CITRUS DR
City	NAVARRE
State	FL
Zip	32566-8657
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HOLLEY BY THE SEA 2ND CORR & AMENDED LOT 3 BLK 28 AS DES IN OR 1423 PG 174
Legal Range	26W
Legal Township	02S
Legal Section	18
Legal Subdivision	BY THE SEA
Legal Block	28
Legal Lot Number	3
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1009
Census Tract	10822

Owner

Source: Santa Rosa County assessment roll, as of July 1, 2024

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 File
Mailing Address	2684 CITRUS DR, NAVARRE, FL 32566-8657
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 1, 1994 · Amount on Record
Deed Sale	Jun 1, 1994 · Amount on Record
Deed Document Number	0001423174
Record Updated	Jun 8, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2684 CITRUS DR, NAVARRE, FL 32566-8657
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036311737
Date	Jun 8, 2017
Book Page	3631/1737
Instrument	201723211

Lender

Name	ANDREWS FCU
Type	Credit Union
Address	SUITLAND, MD 20746

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$200.00 (+7.53%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$192,390 (+3%)	$333,231 (+3.56%) Land $78,750 Building $254,481
2023	$186.00 (+6.9%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$186,786 (+3%)	$321,767 (+5.7%) Land $70,125 Building $251,642
2022	$174.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed	$181,346	$304,411 Land $65,450 Building $238,961

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	Hurricane Sally, Sep 2020 · 3 claims

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

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	0.03% annual chance
Exposure	None beyond ember reach

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 200 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Communications Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20