2734 Copper Reef Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2734 Copper Reef Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,903 sqft · built 1996
Lot Size	0.262 acres (11,413 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (May 2009)
Tax Bill	$1,418 (2024)
Deeds & Mortgages	Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-2S-27-0761-00000-0060`

Property Details

APN / Parcel Number

Primary APN	`12-2S-27-0761-00000-0060`
Alternative APN	`S272120761000000060`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,903 sqft Living Area
Gross Area	2,848 sqft
1st Floor Area	1,903 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	11,413 sqft (0.262 acres)
Lot Width	76 ft Width
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	252 sqft
Deck Area	252 sqft
Patio Area	228 sqft
Shed	1 Shed
Shed Area	2 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2734 COPPER REEF DR
City	NAVARRE
State	FL
Zip	32566-8863
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	COPPER REEF LOT 6 AS DES IN OR 2897 PG 315 & IN OR 3608 PG 65
Legal Range	27W
Legal Township	2S
Legal Section	12
Legal Subdivision	COPPER REEF
Legal Lot Number	6
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1009
Census Tract	10822

Owner

2734 Copper Reef Dr is owned and occupied by an individual who acquired it in March 2017.

Source: Santa Rosa County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	2734 COPPER REEF DR, NAVARRE, FL 32566-8863
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2009 · Amount on File
Deed Sale	May 1, 2009 · Amount on File
Prior Sale	Nov 15, 2007 · Amount on File
Deed Document Number	200914177
Deed Book / Page	2897 / 315
Last Transfer Date	Mar 14, 2017
Transfer Doc	0036080065
Record Updated	Jun 8, 2026

March 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 21, 2017
Property Address	2734 COPPER REEF DR, NAVARRE, FL 32566-8863
Document Number	0036080065
Book / Page	3608 / 0065
Instrument Date	Mar 14, 2017
Instrument	201710877
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ATTORNEY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2734 COPPER REEF DR, NAVARRE, FL 32566-8863

Mortgage

Document Number	0201710878
Date	Mar 21, 2017
Instrument	201710878

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Apr 1, 2042

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$157,308 (+2.9%)	$262,994 (+4.33%) Land $50,000 Building $212,994
2024	$1,418.00 (+3.2%) Homeowner's exemption Disabled Person's exemption	$152,875 (+3%)	$252,068 (+3.03%) Land $45,000 Building $207,068
2023	$1,374.00 (+3.46%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$148,422 (+3%)	$244,647 (+3.28%) Land $40,000 Building $204,647
2022	$1,328.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$144,099	$236,885 Land $38,000 Building $198,885

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

Flood

FEMA maps place 2734 Copper Reef Dr in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 2734 Copper Reef Dr is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 196 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20