106 Shell Ave SE, Fort Walton Beach, FL 32548 Property Records

Okaloosa County property record for 106 Shell Ave SE, Fort Walton Beach, FL 32548

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,800 sqft · built 2019
Lot Size	0.127 acres (5,511 sqft)
Owner	Individual Name on File
Last Sale	$284,900 (Aug 2019)
Tax Bill	$85 (2022)
Deeds & Mortgages	Nov 2020 Mortgage Aug 2019 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-594-2705-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-594-2705-4`
Alternative APNs	`13-2S-24-1050-000C-0040` `24S2131050000C0040`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,800 sqft Living Area
Gross Area	2,403 sqft
1st Floor Area	1,800 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
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	462 sqft
Porch	Finished/Open Porch
Porch Area	141 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	106 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 4 BLK C
Legal Range	24W
Legal Township	02S
Legal Section	13
Legal Subdivision	GIBSON ADD
Legal Block	C
Legal Lot Number	4
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	3
Census Block	3007
Census Tract	22600

Owner

Source: Okaloosa County records · APN C56-000-594-2705-4

Assessment roll updated December 31, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	106 SHELL AVE SE, FORT WALTON BEACH, FL 32548-5514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Aug 02, 2019	Warranty Deed, Transfer · VA Mortgage MORTGAGE ONE/SOUTH
May 24, 2019	Trustee's Deed, Construction Loan · Construction Mortgage JOHN P & HEIDI I DUHAIME
Oct 22, 2018	Warranty Deed, Transfer MEAD LAW AND TITLE
Oct 22, 2018	Warranty Deed, Transfer MEAD LAW AND TITLE
Sep 24, 2018	Warranty Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 02, 2019 · Amount on Record
Deed Sale	Aug 02, 2019 · Amount on Record
Prior Sale	Oct 22, 2018 · Amount on Record
Deed Document Number	20193295453
Deed Book / Page	3412 / 258
Prior Transfer Date	Aug 12, 2008
Prior Transfer Doc	0028542214
Record Updated	Jun 08, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	106 SHELL AVE SE, FORT WALTON BEACH, FL 32548-5514
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 SHELL AVE SE, FT WALTON BCH, FL 32548-5514

Mortgage

Document Number	0035051223
Date	Nov 12, 2020
Book Page	3505/1223
Instrument	3406928

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2050

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 02, 2019
Property Address	106 SHELL AVE SE, FORT WALTON BEACH, FL 32548-5514
Document Number	0034120258
Book / Page	003412 / 000258
Instrument Date	Jul 31, 2019
Instrument	3295453
Transaction Type	Transfer
Record Updated	Aug 27, 2019
Title Company	MEAD LAW AND TITLE, MEAD LAW & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,994.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 SHELL AVE SE FORT WALTON BEACH FL 325485514, FORT WALTON BEACH, FL 32548-5514

Mortgage

Document Number	34120260
Date	Aug 02, 2019
Book Page	003412/000260
Instrument	3295454

Lender

Name	MORTGAGE ONE/SOUTH
Type	Mortgage Company
Address	FORT WALTON BEACH, FL 32548

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2049

May 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 24, 2019
Property Address	106 SHELL AVE SE, FORT WALTON BEACH, FL 32548-5514
Document Number	0034003039
Book / Page	003400 / 003039
Instrument Date	May 22, 2019
Instrument	3279898
Transaction Type	Construction Loan
Record Updated	Jun 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4617 CHANAN DR CRESTVIEW FL 325394341, CRESTVIEW, FL 32539-4341

Mortgage

Document Number	34003039
Date	May 24, 2019
Book Page	003400/003039
Instrument	3279898

Lender

Name	JOHN P & HEIDI I DUHAIME
Address	210 WINDWARD WAY, NICEVILLE, FL 32578-4327

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 23, 2020

Interest

Rate	18%

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 22, 2018
Property Address	106 SHELL AVE SE, FORT WALTON BEACH, FL 32548-5514
Document Number	0033714332
Book / Page	003371 / 004332
Instrument Date	Oct 12, 2018
Instrument	3238869
Transaction Type	Transfer
Record Updated	Nov 01, 2018
Title Company	MEAD LAW AND TITLE

Transaction

Amount	Amount Recorded
Tax	$350.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4617 CHANAN DR CRESTVIEW FL 325394341, CRESTVIEW, FL 32539-4341

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 22, 2018
Property Address	106 SHELL AVE SE, FORT WALTON BEACH, FL 32548-5514
Document Number	0033714334
Book / Page	003371 / 004334
Instrument Date	Oct 12, 2018
Instrument	3238870
Transaction Type	Transfer
Record Updated	Nov 01, 2018
Title Company	MEAD LAW AND TITLE

Transaction

Amount	Amount Recorded
Tax	$350.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	22 WARWICK DR SHALIMAR FL 325791028, SHALIMAR, FL 32579-1028

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 24, 2018
Property Address	106 SHELL AVE SE, FORT WALTON BEACH, FL 32548-5514
Document Number	0033682425
Book / Page	003368 / 002425
Instrument Date	Sep 17, 2018
Instrument	3233772
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$385.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1506 KRUSE DR FORT WALTON BEACH FL 325471044, FORT WALTON BEACH, FL 32547-1044
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption Veteran's exemption	$276,374 (+2.9%)	$394,027 (+3.52%) Land $62,909 Building $331,118
2024	Disabled Person's exemption Veteran's exemption	$268,585 (+3%)	$380,615 (+0.67%) Land $46,393 Building $334,222
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$260,762 (+3%)	$378,099 (+8.86%) Land $42,175 Building $335,924
2022	$85.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$253,167	$347,340 Land $39,416 Building $307,924

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 8, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	Hurricane Georges, Sep 1998 · 12 claims Hurricane Opal, Oct 1995 · 5 claims

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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: Lumen Technologies, T-Mobile USA, Verizon.

Based on FCC filings for 346 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF FORT WALTON BEACH serves 24,113 people
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	2 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	2 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

106 Shell Ave SE, Fort Walton Beach, FL 32548 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

November 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2019: Trustee's Deed, Construction Loan

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

October 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

October 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

September 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Internet Providers

Drinking Water

Violations Reported to EPA

Nearby Properties on Shell Ave SE

Nearby Streets

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