Okaloosa County property record for 4 Gardner Dr, Shalimar, FL 32579
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 3 ba · 1,120 sqft · built 1984 |
| Lot Size | 0.082 acres (3,578 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,000 (Aug 2024) |
| Tax Bill | $2,548 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Nov 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | C56-000-592-8053-7 |
| Primary APN | C56-000-592-8053-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,120 sqft Heated Area |
| Gross Area | 1,928 sqft |
| 1st Floor Area | 560 sqft |
| Upper Floors Area | 560 sqft |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 3,578 sqft (0.082 acres) |
| Garage Type | Finished |
| Garage Area | 288 sqft |
| Porch | Open Porch |
| Porch Area | 80 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 4 GARDNER DR |
|---|---|
| City | SHALIMAR |
| State | FL |
| Zip | 32579-1240 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | MARINA VIEW T/H AMEND UNIT #7 |
| Legal Range | 23 |
| Legal Township | 02S |
| Legal Section | 06 |
| Legal Subdivision | MARINA VIEW T/H AMENDED |
| Legal Unit | 7 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 21501 |
Source: Okaloosa County records · APN C56-000-592-8053-7
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4 GARDNER DR, SHALIMAR, FL 32579-1240 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 04, 2022 | Deed of Trust, Mortgage · Line of Credit EGLIN FCU |
| Nov 09, 2020 | Warranty Deed, Transfer · Conventional Mortgage NAVY FCU |
| Aug 15, 2019 | Deed of Trust, Mortgage · Conventional Mortgage JEFFREY B FREEMAN |
| Deed Names | 3 Verified Names on Deed |
|---|---|
| Last Sale | Aug 20, 2024 · Amount on Record |
| Deed Sale | Aug 20, 2024 · Amount on Record |
| Prior Sale | Nov 09, 2020 · Amount on Record |
| Deed Document Number | 3706370 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4 GARDNER DR, SHALIMAR, FL 32579-1240 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4 GARDNER DR, SHALIMAR, FL 32579-1240 |
| Document Number | 0036361719 |
|---|---|
| Date | Aug 04, 2022 |
| Book Page | 3636/1719 |
| Instrument | 3569510 |
| Name | EGLIN FCU |
|---|---|
| Type | Credit Union |
| Address | FORT WALTON BEACH, FL 32547 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 03, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Nov 09, 2020 |
| Property Address | 4 GARDNER DR, SHALIMAR, FL 32579-1240 |
| Document Number | 0035041711 |
| Book / Page | 3504 / 1711 |
| Map Reference | MB 8 PG 92 |
| Instrument Date | Nov 06, 2020 |
| Instrument | 3405779 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | MEAD LAW AND TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,036.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 660 GOLF COURSE DR NE, 660, FORT WALTON BEACH, FL 32547-1776 |
| Name | Verified Name |
|---|---|
| Address | 4 GARDNER DR, SHALIMAR, FL 32579-1240 |
| Document Number | 0035041713 |
|---|---|
| Date | Nov 09, 2020 |
| Book Page | 3504/1713 |
| Instrument | 3405780 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4 GARDNER DR, SHALIMAR, FL 32579-1240 |
| Document Number | 0034143364 |
| Instrument Date | Aug 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 04, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 613 GOLF COURSE DR NE FORT WALTON BEACH FL 325471709, FORT WALTON BEACH, FL 32547-1709 |
| Document Number | 0034143364 |
|---|---|
| Date | Aug 20, 2019 |
| Book Page | 003414/003364 |
| Instrument | 3299004 |
| Name | JEFFREY B FREEMAN |
|---|---|
| Address | 13191 STARKEY RD # 2, LARGO, FL 33773-1438 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Shalimar Town |
| Unified School District | Okaloosa County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,548.00 (+84.77%) Homeowner's exemption | $220,704 (+59.64%) Land $40,000 Building $180,704 | $220,704 (+23.97%) Land $40,000 Building $180,704 |
| 2023 | $1,379.00 (+4.71%) Homeowner's exemption | $138,254 (+3%) | $178,024 (+13.52%) Land $40,000 Building $138,024 |
| 2022 | $1,317.00 Homeowner's exemption | $134,227 | $156,828 Land $40,000 Building $116,828 |
Source: FEMA National Flood Hazard Layer as of March 8, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 Record median of 180 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 328 units insured incl. 148 condo units |
| Nearby Flood Claims | 257 (1979–2020) |
| Claims Outside the SFHA | 100 of 257 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 354 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | OKALOOSA CO.WTR.; SWR.SYSTEM serves 80,295 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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