Okaloosa County property record for 3985 2nd Ave, Laurel Hill, FL 32567
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,587 sqft · built 1915 |
| Lot Size | 2.75 acres (120,000 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,953 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Jun 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-592-6490-3 |
| Primary APN | C56-000-592-6490-3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,587 sqft Heated Area |
| Gross Area | 4,157 sqft |
| 1st Floor Area | 2,045 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 120,000 sqft (2.75 acres) |
| Lot Dimensions | 400 ft deep x 300 ft wide |
| Porch | Open Porch |
| Porch Area | 686 sqft |
| Patio Area | 276 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3985 2ND AVE |
|---|---|
| City | LAUREL HILL |
| State | FL |
| Zip | 32567-2044 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MILLER L H ALL BLK S LESS LOT 7 AND LESS W 1/2 OF LOT 1 SOLD |
| Legal Range | 22 |
| Legal Township | 05N |
| Legal Section | 05 |
| Legal Subdivision | MILLER ADDN L H |
| Legal Block | S |
| Legal Lot Number | 7 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | LAUREL HILL |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 20200 |
Source: Okaloosa County records, as of December 8, 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3985 2ND AVE, LAUREL HILL, FL 32567-2044 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 4, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jun 27, 2018 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 10, 1999 |
| Deed Sale | Sep 10, 1999 |
| Deed Document Number | 0022242217 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | May 4, 2026 |
| Property Address | 3985 2ND AVE, LAUREL HILL, FL 32567-2044 |
| Document Number | 0003814545 |
| Instrument Date | Apr 29, 2026 |
| Instrument | 20263814545 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | ROCKET MORTGAGE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3985 2ND AVE, LAUREL HILL, FL 32567-2044 |
| Document Number | 0003814545, |
|---|---|
| Date | May 4, 2026 |
| Instrument | 20263814545 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 3985 2ND AVE, LAUREL HILL, FL 32567-2044 |
| Document Number | 0033580001 |
| Instrument Date | Jun 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3985 2ND AVE LAUREL HILL FL 325672002, LAUREL HILL, FL 32567-2002 |
| Document Number | 0033580001 |
|---|---|
| Date | Jul 9, 2018 |
| Book Page | 003358/000001 |
| Instrument | 3218131 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 8, 2048 |
Source: Okaloosa County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Laurel Hill City |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,953.00 (+5.99%) Homeowner's exemption | $271,890 (+5.99%) | $476,708 (+4.54%) Land $30,999 Building $445,709 |
| 2023 | $2,786.00 (+2.65%) Homeowner's exemption | $256,531 (+3%) | $456,013 (+8.6%) Land $26,337 Building $429,676 |
| 2022 | $2,714.00 Homeowner's exemption | $249,059 | $419,917 Land $24,615 Building $395,302 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 6 (1998–2009) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Mar 2009 · Severe Storms, Flooding, Tornadoes, And Straight-line Winds |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 53% of the US · lower than 75% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 LAUREL HILL serves 1,802 people · EPA ID FL1460416 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| Lead | 2 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 72 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Fidium Fiber DSL | 50 / 10 |
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