Okaloosa County property record for 127 Gardner Dr, Shalimar, FL 32579
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 3 ba · 2,593 sqft · built 1977 |
| Lot Size | 0.137 acres (5,984 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $475,000 (Aug 2018) |
| Tax Bill | $5,152 (2024) |
| Deeds & Mortgages | Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | C56-000-592-8086-7 |
| Primary APN | C56-000-592-8086-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,593 sqft Heated Area |
| Gross Area | 3,565 sqft |
| 1st Floor Area | 1,324 sqft |
| Upper Floors Area | 693 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,984 sqft (0.137 acres) |
| Garage Type | Finished |
| Garage Area | 468 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Porch |
| Porch Area | 240 sqft |
| Patio Area | 264 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 127 GARDNER DR |
|---|---|
| City | SHALIMAR |
| State | FL |
| Zip | 32579-1226 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | SUNDRIFT ONE LOT 7 |
| Legal Range | 23 |
| Legal Township | 02S |
| Legal Section | 06 |
| Legal Subdivision | SUNDRIFT ONE |
| Legal Lot Number | 7 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 21501 |
127 Gardner Dr, a townhouse, is owned and occupied by two individuals who bought it in August 2018.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 127 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 |
|---|---|
| Last Sale | Aug 7, 2018 · Amount on File |
| Deed Sale | Aug 7, 2018 · Amount on File |
| Prior Sale | Sep 24, 2012 · Amount on File |
| Deed Document Number | 3224636 |
| Deed Book / Page | 3362 / 2085 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Aug 7, 2018 |
| Property Address | 127 GARDNER DR, SHALIMAR, FL 32579-1226 |
| Document Number | 0033622085 |
| Book / Page | 003362 / 002085 |
| Instrument Date | Aug 3, 2018 |
| Instrument | 3224636 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2018 |
| Title Company | MEAD LAW AND TITLE, MEAD LAW & TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,325.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 103 SAINT FRANCIS DR N MIRAMAR BEACH FL 325508201, MIRAMAR BEACH, FL 32550-8201 |
| Document Number | 33622087 |
|---|---|
| Date | Aug 7, 2018 |
| Book Page | 003362/002087 |
| Instrument | 3224637 |
| Name | MORTGAGE ONE/SOUTH |
|---|---|
| Type | Mortgage Company |
| Address | FORT WALTON BEACH, FL 32548 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 6, 2048 |
Source: Okaloosa County assessment roll, as of July 1, 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 | $420,750 | $595,055 Land $231,000 Building $364,055 | |
| 2024 | $5,152.00 (+2.59%) | ||
| 2023 | $5,022.00 (+3.98%) Homeowner's exemption | $396,983 (+3%) | $571,386 (+11.98%) Land $160,600 Building $410,786 |
| 2022 | $4,830.00 Homeowner's exemption | $385,420 | $510,271 Land $160,600 Building $349,671 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 127 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 |
|
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 127 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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