Santa Rosa County property record for 2772 Copper Reef Dr, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,621 sqft · built 1995 |
| Lot Size | 0.361 acres (15,725 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $35,200 (Mar 2021) |
| Tax Bill | $1,262 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Mar 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-2S-27-0761-00000-0010 |
| Primary APN | 12-2S-27-0761-00000-0010 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,621 sqft Living Area |
| Gross Area | 2,334 sqft |
| 1st Floor Area | 1,621 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 15,725 sqft (0.361 acres) |
| Garage Type | Attached |
| Garage Area | 522 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 47 sqft |
| Patio Area | 144 sqft |
| Shed | 1 Shed |
| Shed Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2772 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 1 AS DES IN OR 1509 PG 887 & OR 1814 PG 1588 & IN OR 4090 PG 450 |
| Legal Range | 27W |
| Legal Township | 2S |
| Legal Section | 12 |
| Legal Subdivision | COPPER REEF |
| Legal Lot Number | 1 |
| 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 29, 2026
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2772 COPPER REEF DR, NAVARRE, FL 32566-8863 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 27, 2026 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Mar 22, 2021 | Warranty Deed, Transfer · VA Mortgage LOANPAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 22, 2021 · Amount on Record |
| Deed Sale | Mar 22, 2021 · Amount on Record |
| Prior Sale | Dec 27, 1995 · Amount on Record |
| Deed Document Number | 202118321 |
| Deed Book / Page | 4090 / 450 |
| Prior Transfer Date | Mar 4, 2021 |
| Prior Transfer Doc | 0040900450 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | May 27, 2026 |
| Property Address | 2772 COPPER REEF DR, NAVARRE, FL 32566-8863 |
| Document Number | 0000026435 |
| Book / Page | 4748 / 466 |
| Instrument Date | May 8, 2026 |
| Instrument | 202626435 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 2772 COPPER REEF DR, NAVARRE, FL 32566-8863 |
| Document Number | 0000026435, |
|---|---|
| Date | May 27, 2026 |
| Book Page | 4748/466 |
| Instrument | 202626435 |
| Name | REGIONS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 2, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Mar 22, 2021 |
| Property Address | 2772 COPPER REEF DR, NAVARRE, FL 32566-8863 |
| Document Number | 0040900450 |
| Book / Page | 4090 / 450 |
| Map Reference | MB F PG 86 |
| Instrument Date | Mar 4, 2021 |
| Instrument | 202118321 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Title Company | NATIONAL CLOSING SOLUTIONS |
| Amount | Amount Recorded |
|---|---|
| Tax | $246.40 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2772 COPPER REEF DR, NAVARRE, FL 32566-8863 |
| Document Number | 4090454 |
|---|---|
| Date | Mar 22, 2021 |
| Instrument | 4090/454 |
| Name | LOANPAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
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 | $1,262.00 (+10.8%) Homeowner's exemption Veteran's exemption | $133,852 (+2.9%) | $229,715 (+4.52%) Land $50,000 Building $179,715 |
| 2024 | $1,139.00 (+3.55%) Homeowner's exemption Disabled Person's exemption | $130,080 (+3%) | $219,783 (+3.29%) Land $45,000 Building $174,783 |
| 2023 | $1,100.00 (+3.77%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $126,291 (+3%) | $212,773 (+3.3%) Land $40,000 Building $172,773 |
| 2022 | $1,060.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $122,613 | $205,979 Land $38,000 Building $167,979 |
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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