2760 Copper Reef Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2760 Copper Reef Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,688 sqft · built 1995
Lot Size	0.258 acres (11,282 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Jun 2019)
Tax Bill	$642 (2024)
Deeds & Mortgages	Jun 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`12-2S-27-0761-00000-0020`

Property Details

APN / Parcel Number

Primary APN	`12-2S-27-0761-00000-0020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,688 sqft Heated Area
Gross Area	2,445 sqft
1st Floor Area	2,108 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	11,282 sqft (0.258 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	57 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	122S270761000000020
Street Address	2760 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 2 AS DES IN OR 3835 PG 48
Legal Range	27W
Legal Township	02S
Legal Section	12
Legal Subdivision	COPPER REEF
Legal Lot Number	2
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1009
Census Tract	10822

Owner

2760 Copper Reef Dr is owned and occupied by an individual who bought it in June 2019.

Source: Santa Rosa County records, as of October 27, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	2760 COPPER REEF DR, NAVARRE, FL 32566-8863
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2019 · Amount on File
Deed Sale	Jun 3, 2019 · Amount on File
Prior Sale	Feb 7, 1997 · Amount on File
Deed Document Number	201922874
Deed Book / Page	3835 / 0048
Record Updated	Jun 8, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 3, 2019
Property Address	2760 COPPER REEF DR, NAVARRE, FL 32566-8863
Document Number	0038350048
Book / Page	003835 / 000048
Instrument Date	May 28, 2019
Instrument	22874
Transaction Type	Transfer
Record Updated	Jul 30, 2019
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount on Record
Tax	$1,470.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2760 COPPER REEF DR

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

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
2024	$642.00 (+8.63%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$112,496 (+3.59%)	$221,475 (+3.59%) Land $45,000 Building $176,475
2023	$591.00 (-2.64%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$108,601 (+3%)	$213,799 (+3.32%) Land $40,000 Building $173,799
2022	$607.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption	$105,438	$206,920 Land $38,000 Building $168,920

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

Flood

FEMA maps place 2760 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 2760 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.

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 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