Santa Rosa County property record for 2748 Copper Reef Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,621 sqft · built 1995 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $365,000 (Jun 2026) |
| Tax Bill | $2,546 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jan 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-2S-27-0761-00000-0040 |
| Primary APN | 12-2S-27-0761-00000-0040 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,621 sqft Living Area |
| Gross Area | 2,329 sqft |
| 1st Floor Area | 1,621 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 121 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 522 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 42 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2748 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 4 AS DES IN OR 4363 PG 1080 |
| Legal Range | 27W |
| Legal Township | 2S |
| Legal Section | 12 |
| Legal Subdivision | COPPER REEF |
| Legal Lot Number | 4 |
| 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 August 4, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 7360 CALLE LN, NAVARRE, FL 32566-7805 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Jun 29, 2026 | Warranty Deed, Transfer · VA Mortgage ZILLOW HOME LOANS LLC |
| Jan 31, 2023 | Warranty Deed, Transfer · VA Mortgage BROKER SOLUTIONS INC |
| Sep 2, 2022 | Warranty Deed, Transfer · Commercial Mortgage KIAVI FUNDING INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 29, 2026 · Amount on Record |
| Deed Sale | Jun 29, 2026 · Amount on Record |
| Prior Sale | Jan 31, 2023 · Amount on Record |
| Deed Document Number | 202632705 |
| Deed Book / Page | 4761 / 709 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jun 29, 2026 |
| Property Address | 2748 COPPER REEF DR, NAVARRE, FL 32566-8863 |
| Document Number | 0000032705 |
| Book / Page | 4761 / 709 |
| Instrument Date | Jun 25, 2026 |
| Instrument | 202632705 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2026 |
| Title Company | PURE TITLE LLC, PURE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $258,055.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7360 CALLE LN, NAVARRE, FL 32566-7805 |
| Document Number | 0000032706, |
|---|---|
| Date | Jun 29, 2026 |
| Book Page | 4761/712 |
| Instrument | 202632706 |
| Name | ZILLOW HOME LOANS LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jan 31, 2023 |
| Property Address | 2748 COPPER REEF DR, NAVARRE, FL 32566-8863 |
| Document Number | 0043631080 |
| Book / Page | 4363 / 1080 |
| Map Reference | MB F PG 86 |
| Instrument Date | Jan 25, 2023 |
| Instrument | 202304099 |
| Transaction Type | Transfer |
| Record Updated | Mar 10, 2023 |
| Title Company | EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,520.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 133 MAGNOLIA AVE SE, FORT WALTON BEACH, FL 32548-7266 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 1000 CROSSWINDS LNDG APT B301, B301, FORT WALTON BEACH, FL 32547-0007 |
| Document Number | 0043631083 |
|---|---|
| Date | Jan 31, 2023 |
| Instrument | 4363/1083 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Sep 2, 2022 |
| Property Address | 2748 COPPER REEF DR, NAVARRE, FL 32566-8863 |
| Document Number | 0043230301 |
| Book / Page | 4323 / 301 |
| Map Reference | MB F PG 86 |
| Instrument Date | Sep 2, 2022 |
| Instrument | 202251365 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2022 |
| Title Company | DOWD TITLE GROUP LLC, DOWD & DITTMAR TTL GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,680.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8201 POMPANO ST, 8201, NAVARRE, FL 32566-6924 |
| Name | Verified Name |
|---|---|
| Address | 133 MAGNOLIA AVE SE, FORT WALTON BEACH, FL 32548-7266 |
| Investor | Possibly a Property Investor |
| Document Number | 0004323304 |
|---|---|
| Date | Sep 2, 2022 |
| Instrument | 4323/304 |
| Name | KIAVI FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $2,546.00 (+6.66%) Homeowner's exemption | $241,579 (+2.9%) | $244,475 (+4.13%) Land $50,000 Building $194,475 |
| 2024 | $2,387.00 (-14.11%) Homeowner's exemption | $234,771 (+2.86%) Land $45,000 Building $189,771 | $234,771 (+2.86%) Land $45,000 Building $189,771 |
| 2023 | $2,779.00 (+20.51%) | $228,242 (+13.97%) Land $40,000 Building $188,242 | $228,242 (+13.97%) Land $40,000 Building $188,242 |
| 2022 | $2,306.00 | $200,261 | $200,261 Land $38,000 Building $162,261 |
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 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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