27 Shell Ave SE, Fort Walton Beach, FL 32548 Property Records

Okaloosa County property record for 27 Shell Ave SE, Fort Walton Beach, FL 32548 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,622 sqft · built 2009
Lot Size	0.325 acres (14,164 sqft)
Owner	Individual Name on File
Last Sale	$61,624 (Aug 2019)
Tax Bill	$1,226 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-594-2781-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-594-2781-5`
Alternative APNs	`13-2S-24-1220-0001-0010` `24S213122000010010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,622 sqft Living Area
Gross Area	1,926 sqft
1st Floor Area	1,622 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	14,164 sqft (0.325 acres)
Lot Width	87 ft Width
Porch	Finished/Open Porch
Porch Area	64 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	27 SHELL AVE SE
City	FORT WALTON BEACH
State	FL
Zip	32548-5433
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOWARD GILL S/D LOT 1 & S1/2 OF LOT 2 BLK 1
Legal Range	24W
Legal Township	02S
Legal Section	13
Legal Subdivision	HOWARD GILL S/D
Legal Block	1
Legal Lot Number	10
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	3
Census Block	3003
Census Tract	22600

Owner

Source: Okaloosa County records · APN C56-000-594-2781-5

Assessment roll updated December 31, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	27 SHELL AVE SE, FORT WALTON BEACH, FL 32548-5433
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2021	Deed of Trust, Mortgage · VA Mortgage PENTAGON FCU
Aug 13, 2019	Quit Claim Deed, Transfer · VA Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 13, 2019 · Amount on Record
Deed Sale	Aug 13, 2019 · Amount on Record
Deed Document Number	20193297431
Deed Book / Page	3413 / 3050
Prior Transfer Date	Jul 26, 2019
Prior Transfer Doc	0034133050
Record Updated	Jun 08, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	27 SHELL AVE SE, FORT WALTON BEACH, FL 32548-5433
Transaction Type	Mortgage
Record Updated	Oct 08, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 SHELL AVE SE, FORT WALTON BEACH, FL 32548-5433

Mortgage

Document Number	0035764458
Date	Sep 29, 2021
Book Page	3576/4458
Instrument	3492550

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2051

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 13, 2019
Property Address	27 SHELL AVE SE, FORT WALTON BEACH, FL 32548-5433
Document Number	0034133050
Book / Page	3413 / 3050
Map Reference	MB 1 PG 114
Instrument Date	Jul 26, 2019
Instrument	3297431
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$431.37
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	27 SHELL AVE SE, 27, FORT WALTON BEACH, FL 32548-5433

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 SHELL AVE SE, FORT WALTON BEACH, FL 32548-5433

Mortgage

Document Number	0034133053
Date	Aug 13, 2019
Instrument	3413-3053

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2049

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Municipality	Fort Walton Beach City
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,226.00 (+5.42%) Homeowner's exemption	$130,993 (+5.99%)	$245,616 (+3.73%) Land $37,880 Building $207,736
2023	$1,163.00 (-5.75%) Homeowner's exemption	$123,593 (+3%)	$236,795 (+8.86%) Land $25,395 Building $211,400
2022	$1,234.00 Homeowner's exemption	$119,993	$217,515 Land $23,733 Building $193,782

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120910226003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 27 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	147 units insured 120 under condo master policies
Nearby Flood Claims	26 (1979–2020)
Claims Outside the SFHA	13 of 26
Most Recent Claim	Sep 2020, rainfall accumulation, Hurricane Sally
Claims By Storm	Hurricane Georges, Sep 1998 · 12 claims Hurricane Opal, Oct 1995 · 5 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 346 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Cox Communications	Cable	2,000 / 100
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA, Verizon, Cox Communications, Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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