2775 Copper Reef Dr, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2775 Copper Reef Dr, Navarre, FL 32566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,618 sqft · built 1996
Lot Size	0.434 acres (18,905 sqft)
Owner	Individual Name on Record
Tax Bill	$1,265 (2024)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-2S-27-0761-00000-0160`

Property Details

APN / Parcel Number

Primary APN	`12-2S-27-0761-00000-0160`
Alternative APN	`S272120761000000160`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,618 sqft Living Area
Gross Area	2,772 sqft
1st Floor Area	1,618 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	18,905 sqft (0.434 acres)
Garage Type	Attached
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	53 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2775 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 16 AS DES IN OR 3299 PG 114 & IN OR 4071 PG 1387
Legal Range	27W
Legal Township	2S
Legal Section	12
Legal Subdivision	COPPER REEF
Legal Lot Number	16
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HOLLEY-NAVARRE
Census Block Group	1
Census Block	1009
Census Tract	10822

Owner

Source: Santa Rosa County records, as of December 8, 2025

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	2775 COPPER REEF DR, NAVARRE, FL 32566-8864
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 16, 2021
Deed Sale	Feb 16, 2021
Prior Sale	Oct 25, 2013 · Amount on Record
Deed Document Number	20219684
Deed Book / Page	4071 / 1387
Prior Transfer Date	Sep 11, 2020
Prior Transfer Doc	0040711387
Record Updated	Jun 8, 2026

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	Feb 16, 2021
Property Address	2775 COPPER REEF DR, NAVARRE, FL 32566-8864
Document Number	0040711387
Book / Page	4071 / 1387
Map Reference	MB F PG 86
Instrument Date	Sep 11, 2020
Instrument	202109684
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2775 COPPER REEF DR, NAVARRE, FL 32566-8864

Mortgage

Document Number	0040711392
Date	Feb 16, 2021
Instrument	4071/1392

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

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
2025		$140,059 (+2.9%)	$230,852 (+4.54%) Land $50,000 Building $180,852
2024	$1,265.00 (+3.18%) Homeowner's exemption	$136,112 (+3%)	$220,826 (+3.3%) Land $45,000 Building $175,826
2023	$1,226.00 (+3.46%) Homeowner's exemption	$132,148 (+3%)	$213,774 (+5.21%) Land $40,000 Building $173,774
2022	$1,185.00 Homeowner's exemption	$128,299	$203,187 Land $38,000 Building $165,187

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

Flood

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	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

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