Okaloosa County property record for 117 Gardner Dr, Shalimar, FL 32579
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 2,200 sqft · built 1977 |
| Lot Size | 0.17 acres (7,400 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,071 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | C56-000-592-8091-7 |
| Primary APN | C56-000-592-8091-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,200 sqft Living Area |
| Gross Area | 3,620 sqft |
| 1st Floor Area | 1,624 sqft |
| Upper Floors Area | 576 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Townhouse |
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 7,400 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Open/Unfinished Porch |
|---|---|
| Porch Area | 320 sqft |
| Patio Area | 480 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 117 GARDNER DR |
|---|---|
| City | SHALIMAR |
| State | FL |
| Zip | 32579-1226 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUNDRIFT ONE LOT 12 |
| Legal Range | 23W |
| Legal Township | 02S |
| Legal Section | 06 |
| Legal Subdivision | SUNDRIFT ONE |
| Legal Lot Number | 12 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 21501 |
117 Gardner Dr is owned and occupied by two individuals.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 117 GARDNER DR, SHALIMAR, FL 32579-1226 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 117 Gardner Dr was $3,071 with exemptions applied.
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Shalimar Town |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,071.00 Homeowner's exemption Veteran's exemption | $262,605 | $544,299 Land $231,000 Building $313,299 |
| 2023 | $2,851.00 (+4.28%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $247,771 (+3%) | $510,289 (+11.69%) Land $160,600 Building $349,689 |
| 2022 | $2,734.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $240,554 | $456,897 Land $160,600 Building $296,297 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 117 Gardner Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 180 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 328 units insured incl. 148 condo units |
| Nearby Flood Claims | 257 (1979–2020) |
| Claims Outside the SFHA | 100 of 257 |
| 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.
Wildfire risk around 117 Gardner Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 | 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 117 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: CenturyLink.
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