48 Avery Dr, Valparaiso, FL 32580 Property Records

Okaloosa County property record for 48 Avery Dr, Valparaiso, FL 32580

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,597 sqft · built 2017
Lot Size	0.135 acres (5,880 sqft)
Owner	Individual Name on File
Last Sale	$374,000 (Aug 2022)
Tax Bill	$4,452 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-001-092-6002-6`

Property Details

APN / Parcel Number

Primary APN	`C56-001-092-6002-6`
Alternative APNs	`01-1S-23-1200-0000-0010` `23S101120000000010`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,597 sqft Living Area
Gross Area	1,937 sqft
1st Floor Area	676 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	5,880 sqft (0.135 acres)
Garage Type	Attached
Garage Area	264 sqft
Porch	Finished/Open Porch
Porch Area	76 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	48 AVERY DR
City	VALPARAISO
State	FL
Zip	32580-1771
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CARONDOLET PH 2 LOT 1
Legal Range	23W
Legal Township	01S
Legal Section	01
Legal Subdivision	CARONDOLET PH 2
Legal Phase	2
Legal Lot Number	1
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	1
Census Block	1013
Census Tract	21200

Owner

48 Avery Dr is owned by an individual who bought it in August 2022.

Source: Okaloosa County records, as of July 7, 2026

Owner of Record	Individual Name on File
Mailing Address	2600 S TOWN CENTER DR, 2134, LAS VEGAS, NV 89135-2081
Owner Type	Individual
Vesting	Unmarried Woman

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

Date	Document
Apr 20, 2021	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING
Aug 8, 2022	Warranty Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE LLC
Nov 7, 2017	Warranty Deed, Transfer · VA Mortgage UNIVERSITY LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 8, 2022 · Amount on File
Deed Sale	Aug 8, 2022 · Amount on File
Prior Sale	Nov 7, 2017 · Amount on File
Deed Document Number	20223569983
Deed Book / Page	3636 / 3402
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	48 AVERY DR, VALPARAISO, FL 32580-1771
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 AVERY DR, VALPARAISO, FL 32580-1771

Mortgage

Document Number	0035403241
Date	Apr 20, 2021
Book Page	3540/3241
Instrument	3447894

Lender

Name	CLEARPATH LENDING
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 8, 2022
Property Address	48 AVERY DR, VALPARAISO, FL 32580-1771
Document Number	0036363402
Book / Page	3636 / 3402
Map Reference	MB 28 PG 19&20
Instrument Date	Aug 5, 2022
Instrument	3569983
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	BRADLEY TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,618.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	48 AVERY DR, VALPARAISO, FL 32580-1771

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2600 S TOWN CENTER DR APT 2134, 2134, LAS VEGAS, NV 89135-2081

Mortgage

Document Number	0036363404
Date	Aug 8, 2022
Book Page	3636/3404
Instrument	3569984

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 7, 2017
Property Address	48 AVERY DR, VALPARAISO, FL 32580-1771
Document Number	0033250826
Book / Page	003325 / 000826
Instrument Date	Nov 3, 2017
Instrument	3171107
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	137 BEL AIRE DR CRESTVIEW FL 325363212, CRESTVIEW, FL 32536-3212

Mortgage

Document Number	33250828
Date	Nov 7, 2017
Book Page	003325/000828
Instrument	3171108

Lender

Name	UNIVERSITY LNDG
Address	SOUTHFIELD, MI 48034

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Nov 6, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 48 Avery Dr was $4,452.

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

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Municipality	Valparaiso City
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,452.00	$299,219 Land $88,945 Building $210,274	$299,219 Land $88,945 Building $210,274
2023	$4,622.00 (+108.1%)	$322,039 (+54.63%) Land $75,076 Building $246,963	$322,039 (+9.39%) Land $75,076 Building $246,963
2022	$2,221.00 Homeowner's exemption Veteran's exemption	$208,266	$294,391 Land $62,175 Building $232,216

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

Flood

FEMA maps place 48 Avery Dr 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 26 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	26 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 48 Avery Dr is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	CITY OF VALPARAISO serves 5,722 people · EPA ID FL1460149
Water Source	Groundwater
Last State Inspection	Jan 2026
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 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Cox Communications Fiber · Cable in parts of the area	1,000 / 35
City of Valparaiso Cable	300 / 25

May also be available: AT&T, Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Avery Dr

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