Okaloosa County property record for 104 Shell Ave SE, Fort Walton Beach, FL 32548
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,098 sqft · built 2017 |
| Lot Size | 0.126 acres (5,510 sqft) |
| Owner | 2 Individuals on Record |
| Last Sale | $299,900 (Jul 2017) |
| Tax Bill | $3,193 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Jul 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-001-075-5284-6 |
| Primary APN | C56-001-075-5284-6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,098 sqft Heated Area |
| Gross Area | 2,869 sqft |
| 1st Floor Area | 1,394 sqft |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Vinyl |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 5,510 sqft (0.126 acres) |
| Lot Width | 55 ft Width |
| Garage Type | Finished |
| Garage Area | 420 sqft |
| Porch | Open Porch |
| Porch Area | 351 sqft |
| Patio Area | 225 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 104 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 3 BLK C |
| Legal Range | 24 |
| Legal Township | 02S |
| Legal Section | 13 |
| Legal Subdivision | GIBSON ADD |
| Legal Block | C |
| Legal Lot Number | 3 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 22600 |
Source: Okaloosa County assessment roll, as of July 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individuals on Record |
|---|---|
| Mailing Address | 104 SHELL AVE SE, FORT WALTON BEACH, FL 32548-5514 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC |
| Jul 6, 2017 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage MORTGAGE ONE/SOUTH |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 6, 2017 · Amount on Record |
| Deed Sale | Jul 6, 2017 · Amount on Record |
| Deed Document Number | 3145702 |
| Deed Book / Page | 3307 / 1115 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 104 SHELL AVE SE, FORT WALTON BEACH, FL 32548-5514 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 104 SHELL AVE SE, FORT WALTON BEACH, FL 32548-5514 |
| Document Number | 0035051497 |
|---|---|
| Date | Nov 13, 2020 |
| Book Page | 3505/1497 |
| Instrument | 3406979 |
| Name | PRIMARY RESIDENTIAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SALT LAKE CITY, UT 84116 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 6, 2017 |
| Property Address | 104 SHELL AVE SE, FORT WALTON BEACH, FL 32548-5514 |
| Document Number | 0033071115 |
| Book / Page | 003307 / 001115 |
| Instrument Date | Jun 30, 2017 |
| Instrument | 3145702 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 25, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,099.30 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 104 SHELL AVE SE FORT WALTON BEACH FL 325485514, FORT WALTON BEACH, FL 32548-5514 |
| Document Number | 33071117 |
|---|---|
| Date | Jul 6, 2017 |
| Book Page | 003307/001117 |
| Instrument | 3145703 |
| Name | MORTGAGE ONE/SOUTH |
|---|---|
| Type | Mortgage Company |
| Address | FORT WALTON BEACH, FL 32548 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 5, 2047 |
Source: Okaloosa County assessment roll, as of July 1, 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 | $3,193.00 (+3.97%) Homeowner's exemption | $276,082 (+5.99%) | $449,090 (+2.54%) Land $62,909 Building $386,181 |
| 2023 | $3,071.00 (-2.6%) Homeowner's exemption | $260,486 (+3%) | $437,948 (+8.78%) Land $42,175 Building $395,773 |
| 2022 | $3,153.00 Homeowner's exemption | $252,899 | $402,587 Land $39,416 Building $363,171 |
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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