Okaloosa County property record for 19 Gardner Dr, Shalimar, FL 32579
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,054 sqft · built 1945 |
| Lot Size | 0.176 acres (7,690 sqft) |
| Owner | Trust Name on File |
| Last Sale | $62,500 (Apr 2001) |
| Tax Bill | $522 (2025) |
| Deeds & Mortgages | Sep 2023 Transfer Jul 2017 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | C56-000-592-7864-8 |
| Primary APN | C56-000-592-7864-8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,054 sqft Heated Area |
| Gross Area | 1,102 sqft |
| 1st Floor Area | 1,054 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,690 sqft (0.176 acres) |
| Lot Width | 90 ft Width |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 19 GARDNER DR |
|---|---|
| City | SHALIMAR |
| State | FL |
| Zip | 32579-1297 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SHALIMAR ADD LOT 1 BLK 2 & S5 FT OF ROW LYING BETWEEN LOTS 1 & 28 BLK 2 |
| Legal Range | 23 |
| Legal Township | 02S |
| Legal Section | 06 |
| Legal Subdivision | SHALIMAR ADD |
| Legal Block | 2 |
| Legal Lot Number | 1 28 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2034 |
| Census Tract | 21501 |
19 Gardner Dr is owner-occupied and held in a trust since September 2023.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | Trust Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 19 GARDNER DR, SHALIMAR, FL 32579-1297 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 27, 2023 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Jul 27, 2017 | Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 4, 2001 · Amount on File |
| Deed Sale | Apr 4, 2001 · Amount on File |
| Prior Sale | Apr 4, 2001 · Amount on File |
| Deed Document Number | 0022884376 |
| Last Transfer Date | Sep 27, 2023 |
| Transfer Doc | 0003649041 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 27, 2023 |
| Property Address | 19 GARDNER DR, SHALIMAR, FL 32579-1297 |
| Document Number | 0003649041 |
| Map Reference | MB 1 PG 95-A |
| Instrument Date | Sep 22, 2023 |
| Instrument | 3649041 |
| Transaction Type | Transfer |
| Record Updated | Nov 6, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 19 GARDNER DR, SHALIMAR, FL 32579-1297 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 19 GARDNER DR, SHALIMAR, FL 32579-1297 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 19 GARDNER DR, SHALIMAR, FL 32579-1297 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0033102338 |
|---|---|
| Date | Jul 27, 2017 |
| Book Page | 3310/2338 |
| Instrument | 3150150 |
| Name | DITECH FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | TAMPA, FL 33607 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2032 |
The 2025 property tax bill for 19 Gardner Dr was $522 with a homeowner's exemption.
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 | $522.00 Homeowner's exemption | $77,842 | $183,677 Land $119,266 Building $64,411 |
| 2023 | $480.00 (+2.56%) Homeowner's exemption | $73,445 (+3%) | $156,822 (+6.5%) Land $83,434 Building $73,388 |
| 2022 | $468.00 Homeowner's exemption | $71,306 | $147,250 Land $77,976 Building $69,274 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 19 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 19 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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