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2776 Penn St, Navarre, FL 32566 Property Records

Santa Rosa County property record for 2776 Penn St, Navarre, FL 32566

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,188 sqft · built 2016
Lot Size0.254 acres (11,064 sqft)
OwnerIndividual Name on File
Last Sale$275,000 (May 2026)
Tax Bill$1,875 (2025)
Deeds & MortgagesMay 2026 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN12-2S-27-0000-00929-0000

Property Details

APN / Parcel Number

Primary APN12-2S-27-0000-00929-0000
Alternative APN
  • S272120000009290000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,188 sqft Living Area
Gross Area1,739 sqft
1st Floor Area1,188 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2016
Exterior MaterialBrick
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialWood Shingle
Lot Area11,064 sqft (0.254 acres)
Lot Dimensions111 ft deep x 100 ft wide
Garage TypeAttached
Garage Area351 sqft
Parking Spaces1 Parking Space
PorchFinished/Open Porch
Porch Area80 sqft
Patio Area120 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address2776 PENN ST
CityNAVARRE
StateFL
Zip32566-7910
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1M
Legal DescriptionWEST 1/2 OF PARCEL 2 DES AS: BEG NE CORN OF SE4 OF NE4 THN W 251 FT THN S 300 FT TO POB THN W 219 FT THN S 100 FT THN E 219 FT THN N 100 FT TO POB AS DES IN OR 3537 PG 1035 (OUT OF #9.1 FOR 2016)
Legal Range27W
Legal Township2S
Legal Section12
JurisdictionSANTA ROSA FL
Township / Civil DivisionHOLLEY-NAVARRE
Census Block Group2
Census Block2006
Census Tract10802

Owner

2776 Penn St is owned and occupied by an individual who bought it in May 2026.

Source: Santa Rosa County records, as of July 14, 2026

Owner of RecordIndividual Name on File
Mailing Address2274 PALO ALTO ST, NAVARRE, FL 32566-1211
OccupancyOwner Occupied
Owner TypeIndividual
VestingUnmarried Woman

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 28, 2026 · Amount on File
Deed SaleMay 28, 2026 · Amount on File
Prior SaleJul 12, 2016 · Amount on File
Deed Document Number202626773
Deed Book / Page4748 / 1987
Record UpdatedSep 20, 2026

May 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateMay 28, 2026
Property Address2776 PENN ST, NAVARRE, FL 32566-7910
Document Number0000026773
Book / Page4748 / 1987
Instrument DateMay 26, 2026
Instrument202626773
Transaction TypeTransfer
Record UpdatedSep 21, 2026
Title CompanyBRADLEY TITLE CORPORATION, BRADLEY TITLE

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$194,425.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2274 PALO ALTO ST, NAVARRE, FL 32566-1211

Mortgage

Document Number0000026774,
DateMay 28, 2026
Instrument202626774
Lender
NameCROSSCOUNTRY MORTGAGE
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueJun 1, 2056
Interest
Max Rate-1%

Tax Assessment & Valuation

The 2025 property tax bill for 2776 Penn St was $1,875 with a homeowner's exemption, up 3.9% from the year before.

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

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,875.00 (+3.88%) Homeowner's exemption$188,940 (+2.9%)$214,613 (+2.24%) Land $30,000 Building $184,613
2024$1,805.00 (+2.62%) Homeowner's exemption$183,615 (+3%)$209,919 (+1.76%) Land $30,000 Building $179,919
2023$1,759.00 (+2.99%) Homeowner's exemption$178,267 (+3%)$206,287 (+6.31%) Land $28,000 Building $178,287
2022$1,708.00 Homeowner's exemption$173,075$194,049 Land $28,000 Building $166,049

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

Flood

FEMA maps place 2776 Penn St in Zone X, an area of minimal flood risk, though there have been 64 flood claims nearby since 1995.

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 145 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies145 in force
Nearby Flood Claims64 (1995–2020)
Claims Outside the SFHA15 of 64
Most Recent ClaimSep 2020 · Hurricane Sally
Claims by Event
  • Hurricane Sally, Sep 2020 · 10 claims
  • Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 7 claims
  • Hurricane Frances, Sep 2004 · 43 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 2776 Penn St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
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 SystemHOLLEY-NAVARRE WATER SYSTEM
public/private · serves 47,793 people · EPA ID FL1570349
Water SourceGroundwater
Last State InspectionOct 2025
Lead6 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 194 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL in parts of the area		5,000 / 5,000
Mediacom Xtream
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20

May also be available: LiveOak Fiber.

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