Okaloosa County property record for 109 Dolphin Rd, Mary Esther, FL 32569
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,908 sqft · built 2020 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $385,000 (Jul 2025) |
| Tax Bill | $3,562 (2025) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | C56-001-134-5656-0 |
| Primary APN | C56-001-134-5656-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,908 sqft Heated Area |
| Gross Area | 2,630 sqft |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 7,500 sqft (0.172 acres) |
| Lot Width | 75 ft Width |
| Garage Type | Finished |
| Porch | Open Porch |
| Porch Area | 281 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 109 DOLPHIN RD |
|---|---|
| City | MARY ESTHER |
| State | FL |
| Zip | 32569-2211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM NW COR OF SE1/4 S 2264.72FT E 115FT TO POB S 75FT E 115FT N 75FT W 115FT TO POB |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 23100 |
Source: Okaloosa County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 109 DOLPHIN RD, MARY ESTHER, FL 32569-2211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 17, 2025 · Amount on Record |
| Deed Sale | Jul 17, 2025 · Amount on Record |
| Prior Sale | Dec 7, 2020 · Amount on Record |
| Deed Document Number | 3764325 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Dec 7, 2020 |
| Property Address | 109 DOLPHIN RD, MARY ESTHER, FL 32569-2211 |
| Document Number | 0035102649 |
| Book / Page | 3510 / 2649 |
| Instrument Date | Dec 4, 2020 |
| Instrument | 3413005 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2022 |
| Title Company | MEAD LAW & TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,099.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 804 FAIRVIEW DR, 804, FORT WALTON BEACH, FL 32547-4208 |
| Name | Verified Name |
|---|---|
| Address | 109 DOLPHIN RD, MARY ESTHER, FL 32569-2211 |
| Document Number | 0035102651 |
|---|---|
| Date | Dec 7, 2020 |
| Instrument | 3510/2651 |
| Name | FEMBI MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
Source: Okaloosa County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,562.00 (-24.68%) | $299,272 (-22.62%) Land $82,038 Building $217,234 | $299,272 (-22.62%) Land $82,038 Building $217,234 |
| 2023 | $4,729.00 (+55.46%) | $386,745 (+32.35%) Land $55,000 Building $331,745 | $386,745 (+6.69%) Land $55,000 Building $331,745 |
| 2022 | $3,042.00 Homeowner's exemption | $292,213 | $362,478 Land $51,402 Building $311,076 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 259 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 259 in force |
| Nearby Flood Claims | 287 (1991–2021) |
| Claims Outside the SFHA | 104 of 287 |
| Most Recent Claim | Jul 2021 · other causes |
| 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 | Low lower than 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | OKALOOSA CO.WTR.; SWR.SYSTEM serves 80,295 people · EPA ID FL1460506 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2023 |
| Lead | 3 ppb (2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 234 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T, LiveOak Fiber, Verizon.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures