311 Pine Moss Dr, Fort Walton Beach, FL 32548 Property Records

Okaloosa County property record for 311 Pine Moss Dr, Fort Walton Beach, FL 32548

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,598 sqft · built 1977
Lot Size	0.249 acres (10,863 sqft)
Owner	Individual Name on Record
Last Sale	$355,000 (Oct 2022)
Tax Bill	$1,285 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Jul 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-593-4651-0`

Property Details

APN / Parcel Number

Primary APN	`C56-000-593-4651-0`
Alternative APNs	`09-2S-24-3011-000G-0050` `24S2093011000G0050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,598 sqft Living Area
Gross Area	2,120 sqft
1st Floor Area	1,598 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	10,863 sqft (0.249 acres)
Lot Width	92 ft Width
Garage Type	Attached
Garage Area	458 sqft
Porch	Finished/Open Porch
Porch Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	311 PINE MOSS DR
City	FORT WALTON BEACH
State	FL
Zip	32548-6307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINEDALE S/D 1ST ADD LOT 5 BLK G
Legal Range	24W
Legal Township	02S
Legal Section	09
Legal Subdivision	PINEDALE S/D 1ST ADD
Legal Block	G
Legal Lot Number	5
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	4
Census Block	4011
Census Tract	21902

Owner

Source: Okaloosa County records, as of December 31, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	311 PINE MOSS DR, FORT WALTON BEACH, FL 32548-6307
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2022	Warranty Deed, Transfer · VA Mortgage CHERRY CREEK MORTGAGE CO INC
Jul 26, 2017	Deed of Trust, Mortgage · VA Mortgage MORTGAGE LENDERS OF AMERICA LLC
Nov 9, 2020	Loan Modification, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2022 · Amount on Record
Deed Sale	Oct 17, 2022 · Amount on Record
Prior Sale	Apr 16, 2012 · Amount on Record
Deed Document Number	20223585155
Deed Book / Page	3647 / 1753
Prior Transfer Date	Apr 6, 2012
Prior Transfer Doc	0030304574
Record Updated	Jun 8, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 17, 2022
Property Address	311 PINE MOSS DR, FORT WALTON BEACH, FL 32548-6307
Document Number	0036471753
Book / Page	3647 / 1753
Map Reference	MB 5 PG 63
Instrument Date	Oct 14, 2022
Instrument	3585155
Transaction Type	Transfer
Record Updated	Nov 4, 2022
Title Company	NOT AVAILABLE, FOUNDATION T&E SERIES LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,485.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4711 MCALLISTER ST, 4711, VALDOSTA, GA 31605-6351

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	311 PINE MOSS DR, FORT WALTON BEACH, FL 32548-6307

Mortgage

Document Number	0036471755
Date	Oct 17, 2022
Instrument	3647/1755

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	311 PINE MOSS DR, FORT WALTON BEACH, FL 32548-6307
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033100774
Date	Jul 26, 2017
Book Page	3310/0774
Instrument	3149667

Lender

Name	MORTGAGE LENDERS OF AMERICA LLC
Type	Lending Institution
Address	LEAWOOD, KS 66211

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKALOOSA FL
Property Address	311 PINE MOSS DR, FORT WALTON BEACH, FL 32548-6307
Document Number	0035121029
Instrument Date	Nov 9, 2020
Transaction Type	Mortgage
Record Updated	Dec 31, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	311 PINE MOSS DR FORT WALTON BEACH FL 325486307, FORT WALTON BEACH, FL 32548-6307

Mortgage

Document Number	0035121029
Date	Dec 15, 2020
Book Page	003512/001029
Instrument	3414997

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 14, 2050

Interest

Rate	3.25%

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,285.00 (-54.71%) Homeowner's exemption Veteran's exemption	$272,717 (+1.71%) Land $92,293 Building $180,424	$272,717 (+1.71%) Land $92,293 Building $180,424
2023	$2,837.00 (+130.09%) Homeowner's exemption	$268,132 (+94.82%) Land $74,250 Building $193,882	$268,132 (+7.85%) Land $74,250 Building $193,882
2022	$1,233.00 Homeowner's exemption	$137,633	$248,606 Land $69,392 Building $179,214

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 140 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	140 in force
Nearby Flood Claims	20 (2001–2026)
Claims Outside the SFHA	7 of 20
Most Recent Claim	Aug 2026 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 8 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 8 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 94% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 278 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: LiveOak Fiber, T-Mobile.

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