Okaloosa County property record for 3 Palm Dr, Shalimar, FL 32579
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,777 sqft · built 1980 |
| Lot Size | 0.417 acres (18,157 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $790,000 (Jan 2022) |
| Tax Bill | $633 (2025) |
| Deeds & Mortgages | Jan 2022 Sale & Mortgage Dec 2017 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | C56-000-593-3482-1 |
| Primary APN | C56-000-593-3482-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,777 sqft Living Area |
| Gross Area | 3,961 sqft |
| 1st Floor Area | 2,035 sqft |
| Upper Floors Area | 742 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 18,157 sqft (0.417 acres) |
| Lot Width | 55 ft Width |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Driveway | Driveway |
| Porch | Screened/Unfinished Porch |
|---|---|
| Porch Area | 560 sqft |
| Patio Area | 140 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3 PALM DR |
|---|---|
| City | SHALIMAR |
| State | FL |
| Zip | 32579-2123 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | JONITA ESTS LOT 3 BLK 3 & BEG NE COR LOT 3 BLK 3 S6 DEG W87.7 FT TO SE COR LOT 3 S69 DEG E49 FT NLY ALG W/E 55 FT N45 DEG W74 FT TO POB |
| Legal Range | 23W |
| Legal Township | 02S |
| Legal Section | 09 |
| Legal Subdivision | JONITA EST |
| Legal Block | 3 |
| Legal Lot Number | 3 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 21501 |
3 Palm Dr is owned and occupied by two individuals who bought it in January 2022.
Source: Okaloosa County records, as of March 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3 PALM DR, SHALIMAR, FL 32579-2123 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
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 |
|---|---|
| Jan 31, 2022 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Dec 29, 2017 | Warranty Deed, Transfer · Conventional Mortgage CARTUS HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 31, 2022 · Amount on File |
| Deed Sale | Jan 31, 2022 · Amount on File |
| Prior Sale | Dec 29, 2017 · Amount on File |
| Deed Document Number | 20223523254 |
| Deed Book / Page | 3601 / 3373 |
| Prior Transfer Date | Dec 18, 2014 |
| Prior Transfer Doc | 0031782021 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jan 31, 2022 |
| Property Address | 3 PALM DR, SHALIMAR, FL 32579-2123 |
| Document Number | 0036013373 |
| Book / Page | 3601 / 3373 |
| Map Reference | MB 4 PG 23 |
| Instrument Date | Jan 14, 2022 |
| Instrument | 3523254 |
| Transaction Type | Transfer |
| Record Updated | Mar 8, 2022 |
| Title Company | OLD SOUTH LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,530.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 640 ATHENS BOONESBORO RD, 640, WINCHESTER, KY 40391-7906 |
| Name | Verified Name |
|---|---|
| Address | 3 PALM DR, SHALIMAR, FL 32579-2123 |
| Document Number | 0036013375 |
|---|---|
| Date | Jan 31, 2022 |
| Instrument | 3601/3375 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Dec 29, 2017 |
| Property Address | 3 PALM DR, SHALIMAR, FL 32579-2123 |
| Document Number | 0033313350 |
| Book / Page | 003331 / 003350 |
| Instrument Date | Dec 21, 2017 |
| Instrument | 3180172 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2018 |
| Title Company | OLD SOUTH LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,326.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 640 ATHENS BOONESBORO RD WINCHESTER KY 403917906, WINCHESTER, KY 40391-7906 |
| Document Number | 33313352 |
|---|---|
| Date | Dec 29, 2017 |
| Book Page | 003331/003352 |
| Instrument | 3180173 |
| Name | CARTUS HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 28, 2032 |
The 2025 property tax bill for 3 Palm Dr was $633.
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 | $633.00 | $613,878 Land $299,448 Building $314,430 | $613,878 Land $299,448 Building $314,430 |
| 2023 | Homeowner's exemption Disabled Person's exemption Veteran's exemption | $581,516 (+38.11%) Land $240,907 Building $340,609 | $581,516 (+8.59%) Land $240,907 Building $340,609 |
| 2022 | $4,771.00 Homeowner's exemption | $421,040 | $535,494 Land $214,425 Building $321,069 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Palm 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 | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 3 Palm Dr is low, with 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 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 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 354 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 |
| Verizon Fixed Wireless | 300 / 20 |
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