103 Safe Harbor, Valparaiso, FL 32580 Property Records

Okaloosa County property record for 103 Safe Harbor, Valparaiso, FL 32580

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,563 sqft · built 2001
Lot Size	0.348 acres (15,154 sqft)
Owner	2 Trust Names on File
Tax Bill	$7,418 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`C56-000-595-9029-9`

Property Details

APN / Parcel Number

Primary APN	`C56-000-595-9029-9`
Alternative APNs	`19-1S-22-475A-0000-0270` `22S119475A00000270`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,563 sqft Living Area
Gross Area	3,907 sqft
1st Floor Area	2,563 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	15,154 sqft (0.348 acres)
Garage Type	Attached
Garage Area	744 sqft
Driveway	Driveway

Exterior Amenities

Porch	Slab
Porch Area	408 sqft
Patio Area	192 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	103 SAFE HBR
City	VALPARAISO
State	FL
Zip	32580-1606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INDIAN SHORES PH I LOT 27
Legal Range	22W
Legal Township	01S
Legal Section	19
Legal Subdivision	INDIAN SHORES
Legal Phase	1
Legal Lot Number	27
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	5
Census Block	5004
Census Tract	21200

Owner

103 Safe Harbor is owner-occupied and held in a trust since July 2015.

Source: Okaloosa County records, as of October 2, 2026

Owner of Record	2 Trust Names on File
Mailing Address	103 SAFE HBR, VALPARAISO, FL 32580-1606
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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 Names	2 Names on Deed
Last Transfer Date	Jul 10, 2015
Transfer Doc	0032073715
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	103 SAFE HBR, VALPARAISO, FL 32580-1606
Transaction Type	Mortgage
Record Updated	Jan 10, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034874633
Date	Aug 31, 2020
Book Page	3487/4633
Instrument	3386789

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 103 Safe Harbor was $7,418 with a homeowner's exemption.

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	$7,418.00 Homeowner's exemption	$539,999	$1,081,367 Land $545,896 Building $535,471
2023	$6,733.00 (+2.5%) Homeowner's exemption	$509,495 (+3%)	$1,079,966 (+15.16%) Land $524,900 Building $555,066
2022	$6,569.00 Homeowner's exemption	$494,655	$937,818 Land $414,000 Building $523,818

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

Flood

FEMA maps place 103 Safe Harbor 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 Safe Harbor 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
Also Mapped Here	EGLIN MAIN
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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