Okaloosa County property record for 423 Pelham Rd, Fort Walton Beach, FL 32547
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,543 sqft · built 1983 |
| Lot Size | 0.479 acres (20,844 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $448 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-591-3119-3 |
| Primary APN | C56-000-591-3119-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,543 sqft Living Area |
| Gross Area | 4,008 sqft |
| 1st Floor Area | 2,543 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 20,844 sqft (0.479 acres) |
| Lot Width | 100 ft Width |
| Garage Type | Attached |
| Garage Area | 605 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 860 sqft |
| Boat House | Boat House |
| Boat Lift | Boat Lift |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 423 PELHAM RD |
|---|---|
| City | FORT WALTON BEACH |
| State | FL |
| Zip | 32547-3682 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S100 FT OF N200 FT OF S400 FT OF SW1/4 OF SW1/4 W OF BAYOU AKA COM SE COR OF SW1/4 OF SW1 /4 N589.36 FT TO SE COR LOT 1 BLK C MID-PINES S/D W 293.82FT W 524.87 FT S 200.37 FT S 100 FT TO POB E 133 FT TO W/E OF COBBS BAYOU & POINT B, THENCE FROM POB S |
| Legal Range | 24W |
| Legal Township | 02S |
| Legal Section | 02 |
| Legal Subdivision | MID-PINES S/D |
| Legal Block | 148 |
| Legal Lot Number | 30 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 22002 |
423 Pelham Rd is owned and occupied by two individuals who acquired it in July 2008.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 423 PELHAM RD, FORT WALTON BEACH, FL 32547-3682 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 2, 2008 |
| Transfer Doc | 0028500185 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 423 Pelham Rd was $448 with exemptions applied.
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $448.00 Homeowner's exemption Veteran's exemption | $410,171 | $956,022 Land $543,838 Building $412,184 |
| 2023 | $424.00 (+2.42%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $387,001 (+3%) | $870,198 (+12.48%) Land $508,260 Building $361,938 |
| 2022 | $414.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $375,729 | $773,663 Land $452,390 Building $321,273 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 423 Pelham Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 File median of 92 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 120 units insured incl. 28 condo units |
| Nearby Flood Claims | 59 (1979–2024) |
| Claims Outside the SFHA | 35 of 59 |
| Most Recent Claim | Jun 2024 · rainfall accumulation |
| 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.
Wildfire risk around 423 Pelham Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 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 | 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 |
| 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 316 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 | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: LiveOak Fiber.
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