Okaloosa County property record for 102 Shell Ave SE, Fort Walton Beach, FL 32548
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,108 sqft · built 2017 |
| Lot Size | 0.127 acres (5,511 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $399,000 (Jun 2017) |
| Tax Bill | $3,153 (2025) |
| Deeds & Mortgages | Mar 2017 Mortgage Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-594-2704-7 |
| Primary APN | C56-000-594-2704-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,108 sqft Living Area |
| Gross Area | 2,892 sqft |
| 1st Floor Area | 1,396 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 5,511 sqft (0.127 acres) |
| Lot Width | 55 ft Width |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 124 sqft |
| Patio Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 102 SHELL AVE SE |
|---|---|
| City | FORT WALTON BEACH |
| State | FL |
| Zip | 32548-5514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GIBSON ADD LOT 2 BLK C AKA SPIVEY S/D |
| Legal Range | 24W |
| Legal Township | 02S |
| Legal Section | 13 |
| Legal Subdivision | GIBSON ADD |
| Legal Block | C |
| Legal Lot Number | 2 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 22600 |
Source: Okaloosa County records, as of December 31, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 102 SHELL AVE SE, FORT WALTON BEACH, FL 32548-5514 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 6, 2017 | Deed of Trust, Mortgage · Commercial Mortgage FIRST FLORIDA BANK |
| Sep 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jun 23, 2017 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage UNITED MUTUAL FUNDING CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 23, 2017 · Amount on Record |
| Deed Sale | Jun 23, 2017 · Amount on Record |
| Prior Sale | Jan 27, 2016 · Amount on Record |
| Deed Document Number | 20173143204 |
| Deed Book / Page | 3305 / 2477 |
| Prior Transfer Date | Mar 12, 2008 |
| Prior Transfer Doc | 0028323780 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 102 SHELL AVE SE, FORT WALTON BEACH, FL 32548-5514 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0032894708 |
|---|---|
| Date | Mar 6, 2017 |
| Book Page | 3289/4708 |
| Instrument | 3121335 |
| Name | FIRST FLORIDA BANK |
|---|---|
| Type | Bank |
| Address | DESTIN, FL 32541 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 102 SHELL AVE SE, FORT WALTON BEACH, FL 32548-5514 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0034914395 |
|---|---|
| Date | Sep 14, 2020 |
| Book Page | 3491/4395 |
| Instrument | 3390928 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 23, 2017 |
| Property Address | 102 SHELL AVE SE, FORT WALTON BEACH, FL 32548-5514 |
| Document Number | 0033052477 |
| Book / Page | 3305 / 2477 |
| Map Reference | MB1 PG30 |
| Instrument Date | Jun 16, 2017 |
| Instrument | 3143204 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1004, SHALIMAR, FL 32579-5004 |
| Name | Verified Name |
|---|---|
| Address | 102 SHELL AVE SE, FORT WALTON BEACH, FL 32548-5514 |
| Document Number | 0003143205 |
|---|---|
| Date | Jun 23, 2017 |
| Instrument | 3143205 |
| Name | UNITED MUTUAL FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2047 |
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Fort Walton Beach City |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,153.00 (+3.99%) Homeowner's exemption | $273,128 (+5.99%) | $433,122 (+2.74%) Land $62,909 Building $370,213 |
| 2023 | $3,032.00 (-2.63%) Homeowner's exemption | $257,700 (+3%) | $421,582 (+8.78%) Land $42,175 Building $379,407 |
| 2022 | $3,114.00 Homeowner's exemption | $250,194 | $387,570 Land $39,416 Building $348,154 |
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 March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 27 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 147 units insured incl. 120 condo units |
| Nearby Flood Claims | 26 (1979–2020) |
| Claims Outside the SFHA | 13 of 26 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| 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 | Not rated no burnable land within 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 | CITY OF FORT WALTON BEACH serves 24,113 people · EPA ID FL1460144 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 346 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 100 |
| Starlink Satellite | 280 / 30 |
May also be available: CenturyLink, T-Mobile, Verizon.
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