Okaloosa County property record for 49 Lakeshore Dr, Shalimar, FL 32579
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 4,281 sqft · built 1996 |
| Lot Size | 0.521 acres (22,687 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $700,000 (Jul 2016) |
| Deeds & Mortgages | Jan 2021 Mortgage Mar 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-591-9379-7 |
| Primary APN | C56-000-591-9379-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 4,281 sqft Living Area |
| Gross Area | 5,749 sqft |
| 1st Floor Area | 4,281 sqft |
| Basement Area | 660 sqft |
| Finished Basement | 660 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Tile |
| Lot Area | 22,687 sqft (0.521 acres) |
| Lot Width | 130 ft Width |
| Garage Type | Attached |
| Garage Area | 912 sqft |
| Driveway | Driveway |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 424 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 49 LAKESHORE DR |
|---|---|
| City | SHALIMAR |
| State | FL |
| Zip | 32579-2209 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKE LORRAINE GARDENS LOT 22 & 23 |
| Legal Range | 23W |
| Legal Township | 02S |
| Legal Section | 04 |
| Legal Subdivision | LAKE LORRAINE GARDENS |
| Legal Lot Number | 220 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 21501 |
Source: Okaloosa County records, as of March 6, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 49 LAKESHORE DR, SHALIMAR, FL 32579-2209 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Jan 15, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Mar 23, 2018 | Deed of Trust, Mortgage · Line of Credit REGIONS BK/FAYETTE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2016 · Amount on Record |
| Deed Sale | Jul 15, 2016 · Amount on Record |
| Deed Document Number | 20163077772 |
| Deed Book / Page | 3257 / 485 |
| Prior Transfer Date | Nov 20, 2013 |
| Prior Transfer Doc | 0031271746 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 49 LAKESHORE DR, SHALIMAR, FL 32579-2209 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 49 LAKESHORE DR, SHALIMAR, FL 32579-2209 |
| Document Number | 0035184233 |
|---|---|
| Date | Jan 15, 2021 |
| Book Page | 3518/4233 |
| Instrument | 3422471 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 49 LAKESHORE DR, SHALIMAR, FL 32579-2209 |
| Document Number | 0033443510 |
| Instrument Date | Mar 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 49 LAKESHORE DR SHALIMAR FL 325792209, SHALIMAR, FL 32579-2209 |
| Document Number | 0033443510 |
|---|---|
| Date | Apr 6, 2018 |
| Book Page | 003344/003510 |
| Instrument | 3199026 |
| Name | REGIONS BK/FAYETTE |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 5, 2048 |
| Rate Type | Adjustable Rate |
|---|
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 | $933,088 (+5.99%) | $1,529,167 (+9.85%) Land $746,707 Building $782,460 | |
| 2023 | Homeowner's exemption Disabled Person's exemption Veteran's exemption | $880,380 | $1,392,108 Land $600,730 Building $791,378 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 97 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 97 in force |
| Nearby Flood Claims | 59 (1985–2021) |
| Claims Outside the SFHA | 30 of 59 |
| Most Recent Claim | Aug 2021 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% 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 350 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
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