Santa Rosa County property record for 2783 Sumac Ct, Navarre, FL 32566
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 2,274 sqft · built 1994 |
| Lot Size | 1.24 acres (54,145 sqft) |
| Owner | Company Name on Record |
| Last Sale | $269,000 (Apr 2026) |
| Tax Bill | $241 (2025) |
| Deeds & Mortgages | May 2026 Construction Loan Apr 2026 Sale & Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-2S-26-1020-01000-0060 |
| Primary APN | 09-2S-26-1020-01000-0060 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,274 sqft Living Area |
| Gross Area | 3,432 sqft |
| 1st Floor Area | 2,274 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood Shingle |
| Lot Area | 54,145 sqft (1.24 acres) |
| Lot Dimensions | 206 ft deep x 241 ft wide |
| Garage Type | Attached |
| Garage Area | 494 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Screened Porch |
|---|---|
| Porch Area | 664 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2783 SUMAC CT |
|---|---|
| City | NAVARRE |
| State | FL |
| Zip | 32566-3107 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | EAST BAY RIVER EST 1ST ADD LOT 6 BLK 10 AS DES IN OR 621 PG 524 |
| Legal Range | 26W |
| Legal Township | 2S |
| Legal Section | 09 |
| Legal Subdivision | EAST BAY RVR/1ST ADD |
| Legal Block | 10 |
| Legal Lot Number | 6 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | HOLLEY-NAVARRE |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 10828 |
Source: Santa Rosa County records, as of June 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 6332 E BAY BLVD, GULF BREEZE, FL 32563-9732 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| May 20, 2026 | Deed of Trust, Mortgage · Construction Mortgage FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU |
| Apr 27, 2026 | Warranty Deed, Transfer · Construction Mortgage MELLINGER TITLE |
| Apr 27, 2026 | Warranty Deed, Construction Loan · Construction Mortgage MELLINGER TITLE SERVICES LLC, MELLINGER TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 27, 2026 · Amount on Record |
| Deed Sale | Apr 27, 2026 · Amount on Record |
| Deed Document Number | 202620754 |
| Deed Book / Page | 4736 / 1210 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | May 20, 2026 |
| Property Address | 2783 SUMAC CT, NAVARRE, FL 32566-3107 |
| Document Number | 0047460702 |
| Book / Page | 4746 / 702 |
| Instrument Date | Apr 24, 2026 |
| Instrument | 202625440 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 6332 E BAY BLVD, GULF BREEZE, FL 32563-9732 |
| Document Number | 0000025440, |
|---|---|
| Date | May 20, 2026 |
| Book Page | 4746/702 |
| Instrument | 202625440 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 1, 2027 |
| Rate Type | Balloon |
|---|---|
| Rate | 6.38% |
| Initial Type | Balloon |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 27, 2026 |
| Property Address | 2783 SUMAC CT, NAVARRE, FL 32566-3107 |
| Document Number | 0000020754 |
| Book / Page | 4736 / 1210 |
| Instrument Date | Apr 23, 2026 |
| Instrument | 2026.20754 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2026 |
| Title Company | MELLINGER TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190,183.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 6332 E BAY BLVD, GULF BREEZE, FL 32563-9732 |
| Document Number | 0000020755, |
|---|---|
| Date | Apr 27, 2026 |
| Instrument | 2026..20755 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 1, 2027 |
| Rate Type | Balloon |
|---|---|
| Rate | 6.11% |
| Initial Type | Balloon |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 27, 2026 |
| Property Address | 2783 SUMAC CT, NAVARRE, FL 32566-3107 |
| Document Number | 0047361210 |
| Book / Page | 4736 / 1210 |
| Instrument Date | Apr 23, 2026 |
| Instrument | 202620754 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 28, 2026 |
| Title Company | MELLINGER TITLE SERVICES LLC, MELLINGER TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190,183.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 6332 E BAY BLVD, GULF BREEZE, FL 32563-9732 |
| Document Number | 0000020755, |
|---|---|
| Date | Apr 27, 2026 |
| Instrument | 202620755 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 1, 2027 |
| Rate Type | Balloon |
|---|---|
| Initial Type | Balloon |
| Max Rate | -1% |
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 | $241.00 (+7.11%) Homeowner's exemption Veteran's exemption | $198,454 (+2.9%) | $322,281 (+2.63%) Land $99,000 Building $223,281 |
| 2024 | $225.00 (+7.66%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $192,861 (+3%) | $314,026 (+9.26%) Land $99,000 Building $215,026 |
| 2023 | $209.00 (+6.63%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $187,244 (+3%) | $287,420 (-2.67%) Land $74,800 Building $212,620 |
| 2022 | $196.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $181,790 | $295,291 Land $74,800 Building $220,491 |
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 114 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 114 in force |
| Nearby Flood Claims | 10 (2004–2024) |
| Claims Outside the SFHA | 3 of 10 |
| Most Recent Claim | Jun 2024 · 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 | High above 71% of the US · above 54% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 78 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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