Santa Rosa County property record for 2745 Copper Reef Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,924 sqft · built 1996 |
| Lot Size | 0.249 acres (10,846 sqft) |
| Owner | Individual Name on File |
| Last Sale | $98,800 (Jun 1996) |
| Tax Bill | $1,274 (2024) |
| Deeds & Mortgages | Apr 2026 Line of Credit Nov 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-2S-27-0761-00000-0110 |
| Primary APN | 12-2S-27-0761-00000-0110 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,924 sqft Living Area |
| Gross Area | 2,593 sqft |
| 1st Floor Area | 1,924 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,846 sqft (0.249 acres) |
| Lot Dimensions | 136 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 21 sqft |
| Patio Area | 228 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2745 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 11 AS DES IN OR 1541 PG 216 |
| Legal Range | 27W |
| Legal Township | 2S |
| Legal Section | 12 |
| Legal Subdivision | COPPER REEF |
| Legal Lot Number | 11 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 10822 |
2745 Copper Reef Dr is owned and occupied by an individual who bought it in June 1996.
Source: Santa Rosa County records, as of April 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2745 COPPER REEF DR, NAVARRE, FL 32566-8864 |
| 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 |
|---|---|
| Apr 6, 2026 | Deed of Trust, Mortgage · Line of Credit GUARANTEED RATE, INC |
| Nov 30, 2021 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| May 14, 2018 | Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Apr 3, 2019 | Deed of Trust, Mortgage · Conventional Mortgage AUTO CLUB TR FSB |
| Jul 22, 2017 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 6, 1996 · Amount on File |
| Deed Sale | Jun 6, 1996 · Amount on File |
| Prior Sale | Mar 1, 1996 · Amount on File |
| Deed Book / Page | 1541 / 216 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 6, 2026 |
| Property Address | 2745 COPPER REEF DR, NAVARRE, FL 32566-8864 |
| Document Number | 0000016836 |
| Book / Page | 4728 / 1000 |
| Instrument Date | Apr 1, 2026 |
| Instrument | 202616836 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2745 COPPER REEF DR, NAVARRE, FL 32566-8864 |
| Document Number | 0000016836, |
|---|---|
| Date | Apr 6, 2026 |
| Book Page | 4728/1000 |
| Instrument | 202616836 |
| Name | GUARANTEED RATE, INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 27, 2046 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2745 COPPER REEF DR, NAVARRE, FL 32566-8864 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0042131055 |
|---|---|
| Date | Nov 30, 2021 |
| Book Page | 4213/1055 |
| Instrument | 202179223 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2745 COPPER REEF DR, NAVARRE, FL 32566-8864 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TRANSTAR NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0037270660 |
|---|---|
| Date | May 14, 2018 |
| Book Page | 3727/0660 |
| Instrument | 201819270 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ISELIN, NJ 08830 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2745 COPPER REEF DR, NAVARRE, FL 32566-8864 |
| Document Number | 0038180026 |
| Instrument Date | Apr 3, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 3, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 2745 COPPER REEF DR NAVARRE FL 325668864, NAVARRE, FL 32566-8864 |
| Document Number | 0038180026 |
|---|---|
| Date | Apr 8, 2019 |
| Book Page | 003818/000026 |
| Instrument | 13760 |
| Name | AUTO CLUB TR FSB |
|---|---|
| Type | Federal Savings Bank |
| Address | DEARBORN, MI 48126 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 7, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2745 COPPER REEF DR, NAVARRE, FL 32566-8864 |
| Document Number | 0036481711 |
| Book / Page | 003648 / 001711 |
| Instrument Date | Jul 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2017 |
| Title Company | CLOSING USA LLC |
| Name | Verified Name |
|---|---|
| Address | 2745 COPPER REEF DR NAVARRE FL 325668864, NAVARRE, FL 32566-8864 |
| Document Number | 0036481711 |
|---|---|
| Date | Aug 3, 2017 |
| Book Page | 003648/001711 |
| Instrument | 31740 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 2, 2037 |
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 | $145,601 (+2.9%) | $248,368 (+4.42%) Land $50,000 Building $198,368 | |
| 2024 | $1,274.00 (+3.33%) Homeowner's exemption Disabled Person's exemption | $141,498 (+3%) | $237,850 (+3.14%) Land $45,000 Building $192,850 |
| 2023 | $1,233.00 (+3.61%) Homeowner's exemption Disabled Person's exemption | $137,377 (+3%) | $230,599 (+3.3%) Land $40,000 Building $190,599 |
| 2022 | $1,190.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $133,376 | $223,234 Land $38,000 Building $185,234 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2745 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 |
|
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 2745 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 Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 244 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 |
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