Okaloosa County property record for 140 Gardner Dr, Shalimar, FL 32579
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,864 sqft · built 1992 |
| Lot Size | 0.157 acres (6,825 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,600 (Oct 2008) |
| Tax Bill | $1,899 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | C56-000-592-7865-5 |
| Primary APN | C56-000-592-7865-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,864 sqft Living Area |
| Gross Area | 2,580 sqft |
| 1st Floor Area | 1,564 sqft |
| Upper Floors Area | 300 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 6,825 sqft (0.157 acres) |
| Lot Width | 65 ft Width |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Porch | Open/Unfinished Porch |
| Porch Area | 232 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 140 GARDNER DR |
|---|---|
| City | SHALIMAR |
| State | FL |
| Zip | 32579-1225 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SHALIMAR ADD LOT 2 BLK 2 |
| Legal Range | 23W |
| Legal Township | 02S |
| Legal Section | 06 |
| Legal Subdivision | SHALIMAR ADD |
| Legal Block | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2034 |
| Census Tract | 21501 |
140 Gardner Dr is owned and occupied by two individuals who acquired it in November 2014.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 140 GARDNER DR, SHALIMAR, FL 32579-1225 |
| 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 | Oct 21, 2008 · Amount on File |
| Deed Sale | Oct 21, 2008 · Amount on File |
| Prior Sale | Jun 28, 2005 · Amount on File |
| Deed Document Number | 20082527316 |
| Deed Book / Page | 2862 / 4415 |
| Last Transfer Date | Nov 14, 2014 |
| Transfer Doc | 0031723185 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 140 Gardner Dr was $1,899 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 | $1,899.00 Homeowner's exemption Veteran's exemption | $179,952 | $285,597 Land $119,266 Building $166,331 |
| 2023 | $1,783.00 (+4.57%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $171,962 (+3%) | $277,494 (+6.61%) Land $83,434 Building $194,060 |
| 2022 | $1,705.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $166,953 | $260,289 Land $77,976 Building $182,313 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 140 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 140 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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