Okaloosa County property record for 20 3rd St SE, Fort Walton Beach, FL 32548
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,020 sqft · built 1978 |
| Lot Size | 0.172 acres (7,509 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,110 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-594-2695-7 |
| Primary APN | C56-000-594-2695-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,020 sqft Heated Area |
| Gross Area | 1,261 sqft |
| 1st Floor Area | 1,020 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1978 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,509 sqft (0.172 acres) |
| Lot Width | 50 ft Width |
| Porch | Finished/Screened Porch |
| Porch Area | 196 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 20 3RD ST SE |
|---|---|
| City | FORT WALTON BEACH |
| State | FL |
| Zip | 32548-5400 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GIBSON ADD LOT 11 BLK A |
| Legal Range | 24 |
| Legal Township | 02S |
| Legal Section | 13 |
| Legal Subdivision | GIBSON ADD |
| Legal Block | A |
| Legal Lot Number | 11 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 22600 |
20 3rd St SE is owned by two individuals who acquired it in April 2023.
Source: Okaloosa County records, as of December 8, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 908 SEATTLE SLEW AVE SE, ALBUQUERQUE, NM 87123-2326 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 4, 2023 |
| Deed Sale | Apr 4, 2023 |
| Deed Document Number | 0036691584 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 20 3rd St SE was $2,110.
Source: Okaloosa County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Fort Walton Beach City |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,110.00 | $155,709 Land $53,913 Building $101,796 | $155,709 Land $53,913 Building $101,796 |
| 2023 | $1,921.00 (+209.84%) | $137,814 (+78.03%) Land $36,144 Building $101,670 | $137,814 (+8.41%) Land $36,144 Building $101,670 |
| 2022 | $620.00 Homeowner's exemption | $77,409 | $127,127 Land $33,779 Building $93,348 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 3rd St SE in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1979.
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 27 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 147 units insured incl. 120 condo units |
| Nearby Flood Claims | 26 (1979–2020) |
| Claims Outside the SFHA | 13 of 26 |
| 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.
The area around 20 3rd St SE has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | CITY OF FORT WALTON BEACH serves 24,113 people · EPA ID FL1460144 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 346 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 100 |
| Starlink Satellite | 280 / 30 |
May also be available: CenturyLink, T-Mobile, Verizon.
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