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104 Eldredge Rd, Fort Walton Beach, FL 32547 Property Records

Okaloosa County property record for 104 Eldredge Rd, Fort Walton Beach, FL 32547

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,590 sqft · built 2020
Lot Size0.362 acres (15,748 sqft)
Owner2 Individual Names on File
Last Sale$498,000 (Jun 2020)
Tax Bill$6,206 (2024)
Deeds & MortgagesJun 2020 Sale & Mortgage
Nov 2019 Sale
Flood ZoneZone X (minimal risk)
APNC56-000-596-6543-0

Property Details

APN / Parcel Number

Primary APNC56-000-596-6543-0
Alternative APNs
  • 25-1S-24-0000-0008-0000
  • 24S125000000080000

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,590 sqft Living Area
Gross Area3,398 sqft
1st Floor Area2,590 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialWood
Lot Area15,748 sqft (0.362 acres)
Lot Width75 ft Width
Garage TypeAttached
Garage Area483 sqft
DrivewayDriveway
PorchFinished/Open Porch
Porch Area325 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address104 ELDREDGE RD
CityFORT WALTON BEACH
StateFL
Zip32547-1306
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBEG 493.4 FT S & 1728.5 FT E OF SW COR NW1/4 S 113.8 FT ALONG RD 76.8 FT FOR BEG NE 210.82 FT SE 58.28 FT S 22.58 FT SW 200.45 FT TO RD NW 75 FT TO BEG 1092-1285
Legal Range24W
Legal Township01S
Legal Section25
Legal Block8
JurisdictionOKALOOSA FL
Township / Civil DivisionFORT WALTON BEACH
Census Block Group1
Census Block1001
Census Tract21700

Owner

104 Eldredge Rd is owned and occupied by two individuals who bought it in June 2020.

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

Owner of Record2 Individual Names on File
Mailing Address104 ELDREDGE RD, FORT WALTON BEACH, FL 32547-1306
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Jun 5, 2020Warranty Deed, Subdivision Related Transfer · VA Mortgage
STEARNS LENDING LLC
Nov 4, 2019Warranty Deed, Transfer
OMEGA TITLE FL

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 5, 2020 · Amount on File
Deed SaleJun 5, 2020 · Amount on File
Prior SaleNov 4, 2019 · Amount on File
Deed Document Number20203363581
Deed Book / Page3467 / 386
Prior Transfer DateFeb 11, 2011
Prior Transfer Doc0029732424
Record UpdatedOct 29, 2026

June 2020: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateJun 5, 2020
Property Address104 ELDREDGE RD, FORT WALTON BEACH, FL 32547-1306
Document Number0034670386
Book / Page3467 / 386
Instrument DateJun 4, 2020
Instrument3363581
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 10, 2022
Title CompanyMEAD LAW & TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,486.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address807C SOUTH DR, 807C, FORT WALTON BEACH, FL 32547-2252

Transferred To (Grantee/Buyer)

NameVerified Name
Address104 ELDREDGE RD, FORT WALTON BEACH, FL 32547-1306

Mortgage

Document Number0003467388
DateJun 5, 2020
Instrument3467/388
Lender
NameSTEARNS LENDING LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2050

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateNov 4, 2019
Property Address104 ELDREDGE RD, FORT WALTON BEACH, FL 32547-1306
Document Number0034270296
Book / Page003427 / 000296
Instrument DateOct 30, 2019
Instrument3315722
Transaction TypeTransfer
Record UpdatedNov 22, 2019
Title CompanyOMEGA TITLE FL

Transaction

AmountAmount on Record
Tax$619.50
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address8101 BISCAYNE BLVD #515 MIAMI FL 331384667, 515, MIAMI, FL 33138-4667
InvestorPossibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$560,267$640,567 Land $144,177 Building $496,390
2024$6,206.00 (+2.38%)
2023$6,062.00 (+19.97%) Homeowner's exemption$528,618 (+19.16%)$661,734 (+21.14%) Land $115,991 Building $545,743
2022$5,053.00 Homeowner's exemption$443,629$546,261 Land $108,403 Building $437,858

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

Flood

FEMA maps place 104 Eldredge Rd in Zone X, an area of minimal flood risk, though there have been 32 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective March 8, 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 75 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies75 in force
Nearby Flood Claims32 (1979–2009)
Claims Outside the SFHA19 of 32
Most Recent ClaimMar 2009 · Severe Storms, Flooding, Tornadoes, And Straight-line Winds
Claims by Event
  • Hurricane Frances, Sep 2004 · 10 claims
  • Hurricane Georges, Sep 1998 · 3 claims
  • Hurricane Opal, Oct 1995 · 9 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 104 Eldredge Rd is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire RiskModerate
above 57% of the US · lower than 70% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemOKALOOSA CO.WTR.; SWR.SYSTEM
serves 80,295 people · EPA ID FL1460506
Water SourceGroundwater
Last State InspectionApr 2023
Lead3 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 150 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless in parts of the area		5,000 / 5,000
Cox Communications
Cable		2,000 / 100
Starlink
Satellite		280 / 30

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