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2740 Copper Reef Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2740 Copper Reef Dr, Navarre, FL 32566

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,903 sqft · built 1996
Lot Size0.242 acres (10,542 sqft)
Owner2 Trust Names on File
Last Sale$192,500 (Apr 2015)
Tax Bill$787 (2024)
Deeds & MortgagesJul 2021 Transfer
Dec 2021 Transfer
Flood ZoneZone X (minimal risk)
APN12-2S-27-0761-00000-0050

Property Details

APN / Parcel Number

Primary APN12-2S-27-0761-00000-0050
Alternative APN
  • S272120761000000050

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,903 sqft Living Area
Gross Area2,688 sqft
1st Floor Area1,903 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1996
Effective Year BuiltEffective 1996
Exterior MaterialBrick
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialWood Shingle
Lot Area10,542 sqft (0.242 acres)
Garage TypeAttached
Garage Area441 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchEnclosed Porch
Porch Area344 sqft
Patio Area240 sqft
Shed1 Shed
Shed Area1 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address2740 COPPER REEF DR
CityNAVARRE
StateFL
Zip32566-8863
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionCOPPER REEF LOT 5 AS DES IN OR 3420 PG 1442 & IN OR 4150 PG 1582 & AS DES IN OR 4222 PG 104
Legal Range27W
Legal Township2S
Legal Section12
Legal SubdivisionCOPPER REEF
Legal Lot Number5
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group1
Census Block1009
Census Tract10822

Owner

2740 Copper Reef Dr is owner-occupied and held in a trust since July 2021.

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

Owner of Record2 Trust Names on File
Mailing Address2740 COPPER REEF DR, NAVARRE, FL 32566-8863
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

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

DateDocument
Jul 20, 2021Intrafamily Transfer, Transfer
ACCOMMODATION
Dec 17, 2021Correction Deed
ACCOMMODATION

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 13, 2015 · Amount on File
Deed SaleApr 13, 2015 · Amount on File
Prior SaleApr 6, 1999 · Amount on File
Deed Document Number201512641
Deed Book / Page3420 / 1442
Last Transfer DateJul 16, 2021
Transfer Doc0041501582
Record UpdatedJun 8, 2026

July 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA ROSA FL
Recording DateJul 20, 2021
Property Address2740 COPPER REEF DR, NAVARRE, FL 32566-8863
Document Number0041501582
Book / Page4150 / 1582
Map ReferenceMB F PG 86
Instrument DateJul 16, 2021
Instrument202148508
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address2740 COPPER REEF DR, NAVARRE, FL 32566-8863

December 2021: Correction Deed

Document TypeCorrection Deed
JurisdictionSANTA ROSA FL
Recording DateDec 17, 2021
Property Address2740 COPPER REEF DR, NAVARRE, FL 32566-8863
Document Number0042220104
Book / Page4222 / 104
Map ReferenceMB F PG 86
Instrument DateJul 16, 2021
Instrument202183427
Record UpdatedJun 7, 2023
Title CompanyACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated

Transferred From (Grantor/Seller)

NameVerified Name
Address2740 COPPER REEF DR, 2740, NAVARRE, FL 32566-8863

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address2740 COPPER REEF DR, NAVARRE, FL 32566-8863

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$126,576 (+2.9%)$266,998 (+4.31%) Land $50,000 Building $216,998
2024$787.00 (-24.18%) Homeowner's exemption Senior Citizen's exemption Widower's exemption$123,009 (+3.51%)$255,975 (+4.18%) Land $45,000 Building $210,975
2023$1,038.00 (-1.14%) Homeowner's exemption Widower's exemption$118,842 (+3%)$245,702 (+3.28%) Land $40,000 Building $205,702
2022$1,050.00 Homeowner's exemption Widower's exemption$115,381$237,908 Land $38,000 Building $199,908

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

Flood

FEMA maps place 2740 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 227 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies227 in force
Nearby Flood Claims5 (2004–2021)
Claims Outside the SFHA3 of 5
Most Recent ClaimOct 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 2740 Copper Reef Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
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 SystemHOLLEY-NAVARRE WATER SYSTEM
public/private · serves 47,793 people · EPA ID FL1570349
Water SourceGroundwater
Last State InspectionOct 2025
Lead6 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 244 locations within half a mile, as of December 31, 2025

ProviderMax 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

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