Santa Rosa County property record for 2769 Copper Reef Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,903 sqft · built 1996 |
| Lot Size | 0.288 acres (12,545 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $449,900 (Sep 2024) |
| Tax Bill | $2,393 (2024) |
| Deeds & Mortgages | Feb 2021 Mortgage Jan 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-2S-27-0761-00000-0150 |
| Primary APN | 12-2S-27-0761-00000-0150 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,903 sqft Living Area |
| Gross Area | 2,602 sqft |
| 1st Floor Area | 1,903 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 12,545 sqft (0.288 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 30 sqft |
| Patio Area | 228 sqft |
| Gazebo | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2769 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 15 AS DES IN OR 4540 PG 1123 & AS DES IN OR 4584 PG 558 |
| Legal Range | 27W |
| Legal Township | 2S |
| Legal Section | 12 |
| Legal Subdivision | COPPER REEF |
| Legal Lot Number | 15 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 10822 |
2769 Copper Reef Dr is owned and occupied by two individuals who acquired it in February 2025.
Source: Santa Rosa County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2769 COPPER REEF DR, NAVARRE, FL 32566-8864 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Feb 9, 2021 | Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK |
| Jan 28, 2020 | Warranty Deed, Transfer · VA Mortgage BROKER SOLUTIONS INC |
| Jan 30, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Mar 1, 2017 | Warranty Deed, Transfer · VA Mortgage FIDELITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 10, 2024 · Amount on File |
| Deed Sale | Sep 10, 2024 · Amount on File |
| Prior Sale | Jan 28, 2020 · Amount on File |
| Deed Document Number | 202440875 |
| Deed Book / Page | 4540 / 1123 |
| Last Transfer Date | Feb 5, 2025 |
| Transfer Doc | 0045840558 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2769 COPPER REEF DR, NAVARRE, FL 32566-8864 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 2769 COPPER REEF DR, NAVARRE, FL 32566-8864 |
| Document Number | 0040690518 |
|---|---|
| Date | Feb 9, 2021 |
| Book Page | 4069/518 |
| Instrument | 202108564 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60607 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jan 28, 2020 |
| Property Address | 2769 COPPER REEF DR, NAVARRE, FL 32566-8864 |
| Document Number | 0039130408 |
| Book / Page | 3913 / 408 |
| Map Reference | MB F PG 86 |
| Instrument Date | Jan 28, 2020 |
| Instrument | 202004241 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | RELIABLE LAND TITLE CORP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,960.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 190, WICKENBURG, AZ 85358-0190 |
| Name | Verified Name |
|---|---|
| Address | 2769 COPPER REEF DR, NAVARRE, FL 32566-8864 |
| Document Number | 0039130410 |
|---|---|
| Date | Jan 28, 2020 |
| Instrument | 3913/0410 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jan 30, 2018 |
| Property Address | 2769 COPPER REEF DR, NAVARRE, FL 32566-8864 |
| Document Number | 0036972049 |
| Book / Page | 003697 / 002049 |
| Instrument Date | Jan 18, 2018 |
| Instrument | 3584 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2769 COPPER REEF DR NAVARRE FL 325668864, NAVARRE, FL 32566-8864 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Mar 1, 2017 |
| Property Address | 2769 COPPER REEF DR, NAVARRE, FL 32566-8864 |
| Document Number | 0036021376 |
| Book / Page | 3602 / 1376 |
| Map Reference | MB F PG86 |
| Instrument Date | Feb 28, 2017 |
| Instrument | 201707978 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,701.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 17 ANASTASIA DR SE, 17, FORT WALTON BEACH, FL 32548-7218 |
| Name | Verified Name |
|---|---|
| Address | 2769 COPPER REEF DR, NAVARRE, FL 32566-8864 |
| Document Number | 0201707979 |
|---|---|
| Date | Mar 1, 2017 |
| Instrument | 201707979 |
| Name | FIDELITY BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2047 |
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 | $290,315 (+23.61%) Land $50,000 Building $240,315 | $290,315 (+7.1%) Land $50,000 Building $240,315 | |
| 2024 | $2,393.00 (+2.31%) Homeowner's exemption | $234,872 (+3%) | $271,080 (+2.55%) Land $45,000 Building $226,080 |
| 2023 | $2,339.00 (+2.72%) Homeowner's exemption | $228,031 (+3%) | $264,337 (+2.84%) Land $40,000 Building $224,337 |
| 2022 | $2,277.00 Homeowner's exemption | $221,389 | $257,044 Land $38,000 Building $219,044 |
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.
FEMA maps place 2769 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 2769 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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