Okaloosa County property record for 186 Fox Valley Rd, Shalimar, FL 32579
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,536 sqft · built 2000 |
| Lot Size | 0.655 acres (28,544 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $399,757 (Aug 2016) |
| Deeds & Mortgages | Apr 2026 Line of Credit Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | C56-000-591-9404-3 |
| Primary APN | C56-000-591-9404-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,536 sqft Living Area |
| Gross Area | 4,711 sqft |
| 1st Floor Area | 2,131 sqft |
| Basement Area | 506 sqft |
| Finished Basement | 506 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 28,544 sqft (0.655 acres) |
| Garage Type | Attached |
| Garage Area | 550 sqft |
| Driveway | Driveway |
| Porch | Florida Room |
| Porch Area | 1,482 sqft |
| Patio Area | 42 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 186 FOX VALLEY RD |
|---|---|
| City | SHALIMAR |
| State | FL |
| Zip | 32579-2208 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKE LORRAINE GARDENS LOT 48 |
| Legal Range | 23W |
| Legal Township | 02S |
| Legal Section | 04 |
| Legal Subdivision | LAKE LORRAINE GARDENS |
| Legal Lot Number | 48 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 21501 |
Source: Okaloosa County records, as of April 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 186 FOX VALLEY RD, SHALIMAR, FL 32579-2208 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Apr 9, 2026 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Feb 12, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jun 19, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 3, 2016 · Amount on Record |
| Deed Sale | Aug 3, 2016 · Amount on Record |
| Prior Sale | Oct 4, 2013 · Amount on Record |
| Deed Document Number | 20163081613 |
| Deed Book / Page | 3259 / 4861 |
| Prior Transfer Date | Sep 26, 2007 |
| Prior Transfer Doc | 0028103735 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Apr 9, 2026 |
| Property Address | 186 FOX VALLEY RD, SHALIMAR, FL 32579-2208 |
| Document Number | 0003809711 |
| Instrument Date | Apr 1, 2026 |
| Instrument | 20263809711 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant, 269 |
| Address | 186 FOX VALLEY RD, SHALIMAR, FL 32579-2208 |
| Document Number | 0003809711, |
|---|---|
| Date | Apr 9, 2026 |
| Instrument | 20263809711 |
| Name | REGIONS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 25, 2056 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 186 FOX VALLEY RD, SHALIMAR, FL 32579-2208 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 186 FOX VALLEY RD, SHALIMAR, FL 32579-2208 |
| Document Number | 0035251973 |
|---|---|
| Date | Feb 12, 2021 |
| Book Page | 3525/1973 |
| Instrument | 3429742 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 186 FOX VALLEY RD, SHALIMAR, FL 32579-2208 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034694869 |
|---|---|
| Date | Jun 19, 2020 |
| Book Page | 3469/4869 |
| Instrument | 3366910 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2050 |
Source: Okaloosa County assessment roll, as of December 31, 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 | $402,566 (+8.27%) | $542,589 (-1.71%) Land $129,391 Building $413,198 | |
| 2023 | Homeowner's exemption Disabled Person's exemption Veteran's exemption | $371,806 | $552,020 Land $86,746 Building $465,274 |
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 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 Record median of 97 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 97 in force |
| Nearby Flood Claims | 59 (1985–2021) |
| Claims Outside the SFHA | 30 of 59 |
| Most Recent Claim | Aug 2021 · rainfall accumulation |
| 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 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 350 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 / 100 |
5G (outdoors only) and 4G LTE
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