Santa Rosa County property record for 2733 Copper Reef Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,619 sqft · built 1996 |
| Lot Size | 0.303 acres (13,242 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $211,000 (Oct 2019) |
| Tax Bill | $2,626 (2024) |
| Deeds & Mortgages | Oct 2021 Mortgage Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-2S-27-0761-00000-0090 |
| Primary APN | 12-2S-27-0761-00000-0090 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,619 sqft Heated Area |
| Gross Area | 2,426 sqft |
| 1st Floor Area | 2,141 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 13,242 sqft (0.303 acres) |
| Lot Width | 560 ft Width |
| Garage Area | 522 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 55 sqft |
| Patio Area | 230 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 122S270761000000090 |
|---|---|
| Street Address | 2733 COPPER REEF DR |
| City | NAVARRE |
| State | FL |
| Zip | 32566-8864 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | COPPER REEF LOT 9 AS DES IN OR 3878 PG 1589 |
| Legal Range | 27W |
| Legal Township | 02S |
| Legal Section | 12 |
| Legal Subdivision | COPPER REEF |
| Legal Lot Number | 9 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1009 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2733 COPPER REEF DR, NAVARRE, FL 32566-8864 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 6, 2021 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Oct 9, 2019 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 9, 2019 · Amount on Record |
| Deed Sale | Oct 9, 2019 · Amount on Record |
| Prior Sale | Nov 19, 2004 · Amount on Record |
| Deed Document Number | 201945443 |
| Deed Book / Page | 3878 / 1589 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2733 COPPER REEF DR, NAVARRE, FL 32566-8864 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 2733 COPPER REEF DR, NAVARRE, FL 32566-8864 |
| Document Number | 0041890142 |
|---|---|
| Date | Oct 6, 2021 |
| Book Page | 4189/142 |
| Instrument | 202166642 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Oct 9, 2019 |
| Property Address | 2733 COPPER REEF DR, NAVARRE, FL 32566-8864 |
| Document Number | 0038781589 |
| Book / Page | 003878 / 001589 |
| Instrument Date | Oct 4, 2019 |
| Instrument | 45443 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2019 |
| Title Company | RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,477.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2733 COPPER REEF DR NAVARRE FL 325668864, NAVARRE, FL 32566-8864 |
| Document Number | 38781590 |
|---|---|
| Date | Oct 9, 2019 |
| Book Page | 003878/001590 |
| Instrument | 45444 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 8, 2049 |
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 | $2,626.00 (+9.51%) Homeowner's exemption | $255,795 (+9.56%) Land $45,000 Building $210,795 | $255,795 (+9.56%) Land $45,000 Building $210,795 |
| 2023 | $2,398.00 (-5.74%) | $233,472 (+5.35%) Land $40,000 Building $193,472 | $233,472 (+5.35%) Land $40,000 Building $193,472 |
| 2022 | $2,544.00 | $221,609 | $221,609 Land $38,000 Building $183,609 |
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 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 |
|
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 | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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 200 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream 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 |
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