103 Arrowpoint Cv, Valparaiso, FL 32580 Property Records

Okaloosa County property record for 103 Arrowpoint Cv, Valparaiso, FL 32580

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,739 sqft · built 1996
Lot Size	0.404 acres (17,583 sqft)
Owner	2 Individual Names on File
Last Sale	$345,000 (Sep 2010)
Tax Bill	$4,338 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`C56-000-595-9054-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-595-9054-7`
Alternative APNs	`19-1S-22-475B-0000-0420` `22S119475B00000420`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,739 sqft Living Area
Gross Area	4,197 sqft
1st Floor Area	1,839 sqft
Upper Floors Area	900 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
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	17,583 sqft (0.404 acres)
Garage Type	Attached
Garage Area	621 sqft
Porch	Florida Room
Porch Area	837 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	103 ARROWPOINT CV
City	VALPARAISO
State	FL
Zip	32580-1608
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INDIAN SHORES PH II LOT 42
Legal Range	22W
Legal Township	01S
Legal Section	19
Legal Subdivision	INDIAN SHORES
Legal Phase	2
Legal Lot Number	42
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	5
Census Block	5004
Census Tract	21200

Owner

103 Arrowpoint Cv is owned and occupied by two individuals who bought it in September 2010.

Source: Okaloosa County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	103 ARROWPOINT CV, VALPARAISO, FL 32580-1608
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Feb 4, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Apr 3, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2010 · Amount on File
Deed Sale	Sep 7, 2010 · Amount on File
Prior Sale	May 30, 2001 · Amount on File
Deed Document Number	20102656053
Deed Book / Page	2950 / 4056
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	103 ARROWPOINT CV, VALPARAISO, FL 32580-1608
Transaction Type	Mortgage
Record Updated	Feb 26, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035231772
Date	Feb 4, 2021
Book Page	3523/1772
Instrument	3427468

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	103 ARROWPOINT CV, VALPARAISO, FL 32580-1608
Document Number	0034544923
Instrument Date	Apr 3, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	103 ARROWPOINT CV VALPARAISO FL 325801608, VALPARAISO, FL 32580-1608

Mortgage

Document Number	0034544923
Date	Apr 8, 2020
Book Page	003454/004923
Instrument	3350464

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 7, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 103 Arrowpoint Cv was $4,338 with exemptions applied.

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Municipality	Valparaiso City
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,338.00 Homeowner's exemption Veteran's exemption	$337,995	$578,474 Land $126,267 Building $452,207
2023	$3,925.00 (+2.72%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$318,902 (+3%)	$570,572 (+8.78%) Land $106,578 Building $463,994
2022	$3,821.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$309,614	$524,521 Land $88,263 Building $436,258

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

Flood

FEMA maps place 103 Arrowpoint Cv in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 103 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	103 in force
Nearby Flood Claims	67 (1990–2020)
Claims Outside the SFHA	15 of 67
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Frances, Sep 2004 · 23 claims Hurricane Georges, Oct 1998 · 5 claims Hurricane Opal, Oct 1995 · 33 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 103 Arrowpoint Cv is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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	CITY OF VALPARAISO serves 5,722 people · EPA ID FL1460149
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	3 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 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Cox Communications Fiber	1,000 / 35
City of Valparaiso Cable	300 / 25
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

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