Santa Rosa County property record for 2754 Copper Reef Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,644 sqft · built 1995 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $325,000 (Jan 2024) |
| Tax Bill | $2,432 (2025) |
| Deeds & Mortgages | Jan 2024 Sale & Mortgage Feb 2022 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-2S-27-0761-00000-0030 |
| Primary APN | 12-2S-27-0761-00000-0030 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,644 sqft Living Area |
| Gross Area | 2,296 sqft |
| 1st Floor Area | 1,644 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| 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 | 108 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 464 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 44 sqft |
| Patio Area | 144 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2754 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 3 AS DES IN OR 4467 PG 1041 |
| Legal Range | 27W |
| Legal Township | 2S |
| Legal Section | 12 |
| Legal Subdivision | COPPER REEF |
| Legal Lot Number | 3 |
| 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 June 18, 2026
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 | 2754 COPPER REEF DR, NAVARRE, FL 32566-8863 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 22, 2024 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 7, 2022 | Warranty Deed, Transfer RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP |
| Mar 24, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jun 19, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 22, 2024 · Amount on Record |
| Deed Sale | Jan 22, 2024 · Amount on Record |
| Prior Sale | Feb 7, 2022 · Amount on Record |
| Deed Document Number | 20242629 |
| Deed Book / Page | 4467 / 1041 |
| Prior Transfer Date | Mar 13, 2009 |
| Prior Transfer Doc | 0028880650 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jan 22, 2024 |
| Property Address | 2754 COPPER REEF DR, NAVARRE, FL 32566-8863 |
| Document Number | 0044671041 |
| Book / Page | 4467 / 1041 |
| Map Reference | MB F PG 86 |
| Instrument Date | Jan 16, 2024 |
| Instrument | 202402629 |
| Transaction Type | Transfer |
| Record Updated | Apr 17, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,275.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8301 BELEZA ST, NAVARRE, FL 32566-9286 |
| Name | Verified Name |
|---|---|
| Address | 2316 1ST AVE S, BIRMINGHAM, AL 35233-2414 |
| Document Number | 0202402630 |
|---|---|
| Date | Jan 22, 2024 |
| Instrument | 202402630 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Number | 0044671043 |
|---|---|
| Date | Jan 22, 2024 |
| Book Page | 4467/1043 |
| Instrument | 202402630 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | 585 SOUTH BLVD E, PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Feb 7, 2022 |
| Property Address | 2754 COPPER REEF DR, NAVARRE, FL 32566-8863 |
| Document Number | 0042421203 |
| Book / Page | 4242 / 1203 |
| Map Reference | MB F PG 86 |
| Instrument Date | Feb 4, 2022 |
| Instrument | 202207010 |
| Transaction Type | Transfer |
| Record Updated | Apr 1, 2022 |
| Title Company | RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,100.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1005 FARROW DR, 1005, CHARLOTTESVILLE, VA 22901-3205 |
| Name | Verified Name |
|---|---|
| Address | 8301 BELEZA ST, NAVARRE, FL 32566-9286 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2754 COPPER REEF DR, NAVARRE, FL 32566-8863 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 2754 COPPER REEF DR, NAVARRE, FL 32566-8863 |
| Document Number | 0040920174 |
|---|---|
| Date | Mar 24, 2021 |
| Book Page | 4092/174 |
| Instrument | 202119238 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 289 Months |
| Due | Apr 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2754 COPPER REEF DR, NAVARRE, FL 32566-8863 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0039651196 |
|---|---|
| Date | Jun 19, 2020 |
| Book Page | 3965/1196 |
| Instrument | 202029972 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 297 Months |
| Due | Mar 1, 2045 |
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 | $2,432.00 (-8.91%) Homeowner's exemption | $231,566 (+4.53%) Land $50,000 Building $181,566 | $231,566 (+4.53%) Land $50,000 Building $181,566 |
| 2024 | $2,670.00 (+3.73%) | $221,536 (+5.24%) Land $45,000 Building $176,536 | $221,536 (+5.24%) Land $45,000 Building $176,536 |
| 2023 | $2,574.00 (+135.71%) | $210,510 (+74.92%) Land $40,000 Building $170,510 | $210,510 (+5.21%) Land $40,000 Building $170,510 |
| 2022 | $1,092.00 Homeowner's exemption | $120,346 | $200,095 Land $38,000 Building $162,095 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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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