2686 Stormy Cir, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2686 Stormy Cir, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,406 sqft · built 2010
Lot Size	0.251 acres (10,934 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Sep 2012)
Tax Bill	$211 (2024)
Deeds & Mortgages	Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-2S-26-1662-00C00-0200`

Property Details

APN / Parcel Number

Primary APN	`07-2S-26-1662-00C00-0200`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,406 sqft Heated Area
Gross Area	3,313 sqft
1st Floor Area	2,826 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	10,934 sqft (0.251 acres)
Lot Dimensions	1,370 ft deep x 800 ft wide
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	400 sqft
Patio Area	87 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	072S26166200C000200
Street Address	2686 STORMY CIR
City	NAVARRE
State	FL
Zip	32566-9061
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARVELLS CROSSING LOT 20 BLK C AS DES IN OR 3166 PG 1190
Legal Range	26W
Legal Township	02S
Legal Section	07
Legal Subdivision	HARVELL'S CROSSING
Legal Block	C
Legal Lot Number	20
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	2
Census Block	2004
Census Tract	10802

Owner

Source: Santa Rosa County records · APN 07-2S-26-1662-00C00-0200

Assessment roll updated July 1, 2024 · Last verified November 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 File
Co-owner	Verified Secondary Owner
Mailing Address	2686 STORMY CIR, NAVARRE, FL 32566-9061
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 04, 2012 · Amount on Record
Deed Sale	Sep 04, 2012 · Amount on Record
Prior Sale	Nov 23, 2010 · Amount on Record
Deed Document Number	201236889
Deed Book / Page	3166 / 1190
Record Updated	Jun 08, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2686 STORMY CIR, NAVARRE, FL 32566-9061
Document Number	0038982042
Instrument Date	Dec 06, 2019
Transaction Type	Mortgage
Record Updated	Feb 25, 2020
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2686 STORMY CIR NAVARRE FL 325669061, NAVARRE, FL 32566-9061

Mortgage

Document Number	0038982042
Date	Dec 11, 2019
Book Page	003898/002042
Instrument	55882

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 10, 2034

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated July 1, 2024 · Last verified November 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$211.00 (-89.77%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$210,710 (+3%)	$330,146 (+2.28%) Land $55,000 Building $275,146
2023	$2,062.00 (+3.05%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$204,573 (+3%)	$322,785 (+2.93%) Land $50,000 Building $272,785
2022	$2,001.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$198,615	$313,592 Land $45,000 Building $268,592

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Rosa County (12113C), updated November 18, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121130108022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 145 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	145 in force
Nearby Flood Claims	64 (1995–2020)
Claims Outside the SFHA	15 of 64
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 10 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 7 claims Hurricane Frances, Sep 2004 · 43 claims

Wildfire

Wildfire Risk	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 239 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
AT&T Fiber	5,000 / 5,000
Mediacom Communications Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	HOLLEY-NAVARRE WATER SYSTEM public/private · serves 47,793 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.