121 Gardner Dr, Shalimar, FL 32579 Property Records

Okaloosa County property record for 121 Gardner Dr, Shalimar, FL 32579

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,468 sqft · built 1977
Lot Size	0.137 acres (5,984 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (May 2019)
Tax Bill	$4,107 (2025)
Deeds & Mortgages	Jan 2021 Mortgage May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`C56-000-592-8089-1`

Property Details

APN / Parcel Number

Primary APN	`C56-000-592-8089-1`
Alternative APNs	`06-2S-23-4550-0000-0100` `23S206455000000100`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,468 sqft Living Area
Gross Area	2,368 sqft
1st Floor Area	892 sqft
Upper Floors Area	576 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Townhouse
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	5,984 sqft (0.137 acres)
Garage Type	Attached
Garage Area	420 sqft

Exterior Amenities

Porch	Open/Unfinished Porch
Porch Area	140 sqft
Patio Area	140 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	121 GARDNER DR
City	SHALIMAR
State	FL
Zip	32579-1226
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNDRIFT ONE LOT 10
Legal Range	23W
Legal Township	02S
Legal Section	06
Legal Subdivision	SUNDRIFT ONE
Legal Lot Number	10
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2032
Census Tract	21501

Owner

121 Gardner Dr is owned and occupied by two individuals who bought it in May 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1176 ELM ST, EDWARDS, CA 93523-2730
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2021	Deed of Trust, Mortgage · VA Mortgage BROKER SOLUTIONS INC
May 17, 2019	Warranty Deed, Transfer · VA Mortgage NATIONS LNDG
Dec 17, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2019 · Amount on File
Deed Sale	May 17, 2019 · Amount on File
Deed Document Number	20193278382
Deed Book / Page	3399 / 2866
Prior Transfer Date	Dec 17, 2018
Prior Transfer Doc	0033783298
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	121 GARDNER DR, SHALIMAR, FL 32579-1226
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 HARDNER DRIVE, SHALIMAR, FL 32579

Mortgage

Document Number	0035170609
Date	Jan 7, 2021
Book Page	3517/609
Instrument	3420425

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 17, 2019
Property Address	121 GARDNER DR, SHALIMAR, FL 32579-1226
Document Number	0033992866
Book / Page	003399 / 002866
Instrument Date	Apr 26, 2019
Instrument	3278382
Transaction Type	Transfer
Record Updated	Jun 6, 2019
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,380.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	121 GARDNER DR SHALIMAR FL 325791226, SHALIMAR, FL 32579-1226

Mortgage

Document Number	33992871
Date	May 17, 2019
Book Page	003399/002871
Instrument	3278385

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 16, 2049

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 17, 2018
Property Address	121 GARDNER DR, SHALIMAR, FL 32579-1226
Document Number	0033783298
Book / Page	003378 / 003298
Instrument Date	Dec 17, 2018
Instrument	3249013
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 GARDNER DR SHALIMAR FL 325791226, SHALIMAR, FL 32579-1226

Tax Assessment & Valuation

The 2025 property tax bill for 121 Gardner Dr was $4,107 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Municipality	Shalimar Town
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,107.00 Homeowner's exemption	$330,644	$453,303 Land $231,000 Building $222,303
2023	$3,825.00 (+34.68%) Homeowner's exemption	$311,967 (+3%)	$407,305 (+10.13%) Land $160,600 Building $246,705
2022	$2,840.00 Homeowner's exemption Veteran's exemption	$302,881	$369,849 Land $160,600 Building $209,249

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

Flood

FEMA maps place 121 Gardner Dr in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
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	Hurricane Sally, Sep 2020 · 20 claims Hurricane Frances, Sep 2004 · 97 claims Hurricane Opal, Oct 1995 · 67 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 121 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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