Santa Rosa County property record for 2694 Shoni Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,815 sqft · built 2006 |
| Lot Size | 0.343 acres (14,941 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $330,000 (Dec 2022) |
| Tax Bill | $3,054 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Sep 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-2S-27-5635-00A00-0340 |
| Primary APN | 10-2S-27-5635-00A00-0340 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,815 sqft Living Area |
| Gross Area | 2,719 sqft |
| 1st Floor Area | 1,815 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 14,941 sqft (0.343 acres) |
| Lot Dimensions | 214 ft deep x 70 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 140 sqft |
| Deck Area | 284 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2694 SHONI DR |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-8015 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | WATERSTONE LOT 34 BLK A AS DES IN OR 4351 PG 190 |
| Legal Range | 27W |
| Legal Township | 2S |
| Legal Section | 10 |
| Legal Subdivision | WATERSTONE |
| Legal Block | A |
| Legal Lot Number | 34 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 10820 |
2694 Shoni Dr is owned and occupied by two individuals who bought it in December 2022.
Source: Santa Rosa County records, as of October 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2694 SHONI DR, NAVARRE, FL 32566-8015 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 12, 2022 | Warranty Deed, Transfer · VA Mortgage FIDELITY BANK |
| Sep 11, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jan 11, 2018 | Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS |
| May 31, 2017 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 12, 2022 · Amount on File |
| Deed Sale | Dec 12, 2022 · Amount on File |
| Prior Sale | May 31, 2017 · Amount on File |
| Deed Document Number | 202267595 |
| Deed Book / Page | 4351 / 190 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Dec 12, 2022 |
| Property Address | 2694 SHONI DR, NAVARRE, FL 32566-8015 |
| Document Number | 0043510190 |
| Book / Page | 4351 / 190 |
| Map Reference | MB 10 PG 2-4 |
| Instrument Date | Nov 30, 2022 |
| Instrument | 202267595 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2023 |
| Title Company | BRIGHT LIGHT LAND TTL CO LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,310.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2694 SHONI DR, NAVARRE, FL 32566-8015 |
| Name | Verified Name |
|---|---|
| Address | 2694 SHONI DR, NAVARRE, FL 32566-8015 |
| Document Number | 0004351192 |
|---|---|
| Date | Dec 12, 2022 |
| Instrument | 4351/192 |
| Name | FIDELITY BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2052 |
| Document Number | 0043510207 |
|---|---|
| Date | Dec 12, 2022 |
| Book Page | 4351/207 |
| Instrument | 202267597 |
| Name | FIDELITY BANK |
|---|---|
| Type | Bank |
| Address | MANDEVILLE, LA 70471 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2694 SHONI DR, NAVARRE, FL 32566-8015 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0040020818 |
|---|---|
| Date | Sep 11, 2020 |
| Book Page | 4002/818 |
| Instrument | 202047039 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 330 Months |
| Due | Mar 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2694 SHONI DR, NAVARRE, FL 32566-8015 |
| Document Number | 0036951344 |
| Instrument Date | Jan 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2694 SHONI DR NAVARRE FL 325668015, NAVARRE, FL 32566-8015 |
| Document Number | 0036951344 |
|---|---|
| Date | Jan 22, 2018 |
| Book Page | 003695/001344 |
| Instrument | 2338 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 21, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | May 31, 2017 |
| Property Address | 2694 SHONI DR, NAVARRE, FL 32566-8015 |
| Document Number | 0036290012 |
| Book / Page | 003629 / 000012 |
| Instrument Date | May 23, 2017 |
| Instrument | 21819 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,421.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2694 SHONI DR NAVARRE FL 325668015, NAVARRE, FL 32566-8015 |
| Document Number | 36290015 |
|---|---|
| Date | May 31, 2017 |
| Book Page | 003629/000015 |
| Instrument | 21820 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 30, 2047 |
The 2025 property tax bill for 2694 Shoni Dr was $3,054 with exemptions applied, up 3.1% 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 | $3,054.00 (+3.11%) Homeowner's exemption Veteran's exemption | $290,426 (+2.07%) Land $50,000 Building $240,426 | $290,426 (+2.07%) Land $50,000 Building $240,426 |
| 2024 | $2,962.00 (-0.2%) Homeowner's exemption Disabled Person's exemption | $284,549 (+0.68%) Land $50,000 Building $234,549 | $284,549 (+0.68%) Land $50,000 Building $234,549 |
| 2023 | $2,968.00 (+60.95%) Homeowner's exemption | $282,624 (+57.3%) Land $50,000 Building $232,624 | $282,624 (+9.82%) Land $50,000 Building $232,624 |
| 2022 | $1,844.00 Homeowner's exemption | $179,669 | $257,347 Land $45,000 Building $212,347 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2694 Shoni Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 File median of 311 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 311 in force |
| Nearby Flood Claims | 49 (1995–2020) |
| Claims Outside the SFHA | 1 of 49 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| 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 2694 Shoni Dr is moderate, ranking above 45% of the US, with a 0.08% 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 | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
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 220 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
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