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412 Bear Rd, Fort Walton Beach, FL 32547 Property Records

Okaloosa County property record for 412 Bear Rd, Fort Walton Beach, FL 32547

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,232 sqft · built 1979
Lot Size0.227 acres (9,897 sqft)
Owner2 Individual Names on File
Last Sale$288,000 (Aug 2026)
Tax Bill$2,737 (2025)
Deeds & MortgagesAug 2026 Sale
Aug 2026 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APNC56-000-598-0425-2

Property Details

APN / Parcel Number

Primary APNC56-000-598-0425-2
Alternative APNs
  • 35-1S-24-1300-0006-0240
  • 24S135130000060240

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,232 sqft Living Area
Gross Area1,642 sqft
1st Floor Area1,232 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1979
Effective Year BuiltEffective 1979
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area9,897 sqft (0.227 acres)
Garage TypeAttached
Garage Area338 sqft
PorchSlab
Porch Area72 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address412 BEAR RD
CityFORT WALTON BEACH
StateFL
Zip32547-1520
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionJACKSON HGTS LOT 24 BLK 6
Legal Range24W
Legal Township01S
Legal Section35
Legal SubdivisionJACKSON HGTS
Legal Block6
Legal Lot Number24
JurisdictionOKALOOSA FL
Township / Civil DivisionFORT WALTON BEACH
Census Block Group4
Census Block4008
Census Tract21802

Owner

412 Bear Rd is owned and occupied by two individuals who acquired it in August 2026.

Source: Okaloosa County records, as of September 17, 2026

Owner of Record2 Individual Names on File
Mailing Address412 BEAR RD, FORT WALTON BEACH, FL 32547-1520
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Aug 28, 2026Deed, Transfer
NONE LISTED ON DOCUMENT
Aug 11, 2026Warranty Deed, Transfer · Conventional Mortgage
ROCKET MORTGAGE LLC
May 13, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 11, 2026 · Amount on File
Deed SaleAug 11, 2026 · Amount on File
Prior SaleDec 2, 2002 · Amount on File
Deed Document Number20263832626
Last Transfer DateAug 28, 2026
Transfer Doc0003835808
Record UpdatedOct 29, 2026

August 2026: Deed, Transfer

Document TypeDeed
JurisdictionOKALOOSA FL
Recording DateAug 28, 2026
Property Address412 BEAR RD, FORT WALTON BEACH, FL 32547-1520
Document Number0003835808
Instrument DateAug 28, 2026
Instrument20263835808
Transaction TypeTransfer
Record UpdatedSep 9, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address412 BEAR RD, FORT WALTON BEACH, FL 32547-1520

August 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateAug 11, 2026
Property Address412 BEAR RD, FORT WALTON BEACH, FL 32547-1520
Document Number0003832626
Instrument DateAug 6, 2026
Instrument20263832626
Transaction TypeTransfer
Record UpdatedAug 20, 2026
Title CompanyMEAD LAW AND TITLE, MEAD LAW & TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$203,616.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address412 BEAR RD, FORT WALTON BEACH, FL 32547-1520

Mortgage

Document Number0003832627,
DateAug 11, 2026
Instrument20263832627
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueSep 1, 2056
Interest
Rate TypeFixed Rate
Rate6.49%
Initial TypeFixed Rate
Max Rate-1%

May 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOKALOOSA FL
Recording DateMay 13, 2020
Property Address412 BEAR RD, FORT WALTON BEACH, FL 32547-1520
Document Number0034612848
Book / Page003461 / 002848
Instrument DateMay 5, 2020
Instrument3357639
Transaction TypeTransfer
Record UpdatedJun 25, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
AddressPO BOX 2095 FORT WALTON BEACH FL 325492095, FORT WALTON BEACH, FL 32549-2095

Tax Assessment & Valuation

The 2025 property tax bill for 412 Bear Rd was $2,737.

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

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,737.00$229,650 Land $87,010 Building $142,640$229,650 Land $87,010 Building $142,640
2023$2,361.00 (+8.01%)$203,967 (+7.82%) Land $50,601 Building $153,366$203,967 (+7.82%) Land $50,601 Building $153,366
2022$2,186.00$189,182 Land $47,291 Building $141,891$189,182 Land $47,291 Building $141,891

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

Flood

FEMA maps place 412 Bear Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 15 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies15 in force

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

Wildfire risk around 412 Bear Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire RiskModerate
above 40% of the US · lower than 87% of Florida
Wildfire Likelihood0.07% annual chance
ExposureNone
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 SystemOKALOOSA CO.WTR.; SWR.SYSTEM
serves 80,295 people · EPA ID FL1460506
Water SourceGroundwater
Last State InspectionApr 2023
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 594 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless		5,000 / 5,000
Cox Communications
Cable		2,000 / 100
Verizon
Fixed Wireless		300 / 20

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