39 Senner Ct, Shalimar, FL 32579 Property Records

Okaloosa County property record for 39 Senner Ct, Shalimar, FL 32579

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,771 sqft · built 1990
Lot Size	0.289 acres (12,594 sqft)
Owner	2 Individual Names on Record
Last Sale	$735,000 (Jul 2019)
Tax Bill	$7,244 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Aug 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-591-9383-9`

Property Details

APN / Parcel Number

Primary APN	`C56-000-591-9383-9`
Alternative APNs	`04-2S-23-1437-0000-0270` `23S204143700000270`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,771 sqft Living Area
Gross Area	3,883 sqft
1st Floor Area	1,738 sqft
Upper Floors Area	1,033 sqft
Flooring	Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	12,594 sqft (0.289 acres)
Lot Width	100 ft Width
Garage Type	Attached
Garage Area	500 sqft
Driveway	Driveway

Exterior Amenities

Porch	Florida Room
Porch Area	324 sqft
Patio Area	324 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	39 SENNER CT
City	SHALIMAR
State	FL
Zip	32579-2215
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE LORRAINE GARDENS LOT 27
Legal Range	23W
Legal Township	02S
Legal Section	04
Legal Subdivision	LAKE LORRAINE GARDENS
Legal Lot Number	27
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1000
Census Tract	21501

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	2 Individual Names on Record
Mailing Address	39 SENNER CT, SHALIMAR, FL 32579-2215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Aug 14, 2017	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK
Jul 19, 2019	Warranty Deed, Transfer · Conventional Mortgage SUNTRUST BANK
May 31, 2017	Warranty Deed, Transfer · VA Mortgage SUNTRUST MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2019 · Amount on Record
Deed Sale	Jul 19, 2019 · Amount on Record
Prior Sale	May 31, 2017 · Amount on Record
Deed Document Number	20193292425
Deed Book / Page	3409 / 4462
Prior Transfer Date	Dec 1, 2009
Prior Transfer Doc	0029152308
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	39 SENNER CT, SHALIMAR, FL 32579-2215
Transaction Type	Mortgage
Record Updated	Oct 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 SENNER CT, SHALIMAR, FL 32579-2215

Mortgage

Document Number	0035772621
Date	Oct 1, 2021
Book Page	3577/2621
Instrument	3493289

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	39 SENNER CT, SHALIMAR, FL 32579-2215
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033130609
Date	Aug 14, 2017
Book Page	3313/0609
Instrument	3153646

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 19, 2019
Property Address	39 SENNER CT, SHALIMAR, FL 32579-2215
Document Number	0034094462
Book / Page	3409 / 4462
Map Reference	MB 10 PG 84&85
Instrument Date	Jul 15, 2019
Instrument	3292425
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,145.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5732 WOODEN HAWK LN, 5732, BURKE, VA 22015-2925

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 SENNER CT, SHALIMAR, FL 32579-2215

Mortgage

Document Number	0034094464
Date	Jul 19, 2019
Instrument	3409-4464

Lender

Name	SUNTRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 31, 2017
Property Address	39 SENNER CT, SHALIMAR, FL 32579-2215
Document Number	0033013528
Book / Page	3301 / 3528
Map Reference	MB10 PG84&85
Instrument Date	May 25, 2017
Instrument	3138138
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	COTTON LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 MIRACLE STRIP PKWY SW UNIT 304, 200, FORT WALTON BEACH, FL 32548-6641

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 SENNER CT, SHALIMAR, FL 32579-2215

Mortgage

Document Number	0003138139
Date	May 31, 2017
Instrument	3138139

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company

Agreement

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

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	$7,244.00 (+5.34%) Homeowner's exemption	$630,035 (+5.99%)	$840,759 (+8.07%) Land $433,664 Building $407,095
2023	$6,877.00 (+2.34%) Homeowner's exemption	$594,446 (+3%)	$777,969 (+10.21%) Land $348,885 Building $429,084
2022	$6,720.00 Homeowner's exemption	$577,132	$705,907 Land $310,534 Building $395,373

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

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Hurricane Sally, Sep 2020 · 7 claims Hurricane Frances, Sep 2004 · 21 claims Hurricane Opal, Oct 1995 · 23 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	0.02% 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 350 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

Cell Coverage

5G (outdoors only) and 4G LTE

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