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499 Apache St, Fort Walton Beach, FL 32547 Property Records

Okaloosa County property record for 499 Apache St, Fort Walton Beach, FL 32547

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,863 sqft · built 2025
Lot Size1.67 acres (73,141 sqft)
OwnerIndividual Name on Record
Last Sale$426,900 (May 2026)
Tax Bill$900 (2025)
Deeds & MortgagesFeb 2025 Construction Loan
May 2026 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APNC56-001-197-8328-0

Property Details

APN / Parcel Number

Primary APNC56-001-197-8328-0
Alternative APNs
  • 04-2S-24-0000-0045-0010
  • 24S204000000450010

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,863 sqft Living Area
Gross Area2,383 sqft
1st Floor Area1,863 sqft
FlooringWood

Exterior

Year BuiltBuilt 2025
Effective Year BuiltEffective 2025
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialWood
Lot Area73,141 sqft (1.67 acres)
Lot Dimensions125 ft deep x 75 ft wide
Garage TypeAttached
Garage Area400 sqft
PorchFinished/Open Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address499 APACHE ST
CityFORT WALTON BEACH
StateFL
Zip32547-2973
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCOM NW COR OF NW1/4 OF SE1/4 S 308FT E 30FT E 250FT TO POB E 50.06FT N 125.03FT W 50.1FT S 125.03FT TO POB
Legal SubdivisionSOUTHERN HEIGHTS
Legal Block45
Legal Lot Number10
JurisdictionOKALOOSA FL
Township / Civil DivisionFORT WALTON BEACH
Census Block Group1
Census Block1007
Census Tract21902

Owner

Source: Okaloosa County records, as of May 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address499 APACHE ST, FORT WALTON BEACH, FL 32547-2973
OccupancyOwner Occupied
Owner TypeIndividual
VestingHis Wife

Deeds, Mortgages & Sale History

DateDocument
Feb 12, 2025Deed of Trust, Mortgage · Construction Mortgage
INNOVATIONS FINANCIAL CU
May 8, 2026Warranty Deed, Transfer · VA Mortgage
ROCKET MORTGAGE LLC
Dec 17, 2024Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 8, 2026 · Amount on Record
Deed SaleMay 8, 2026 · Amount on Record
Deed Document Number20263815713
Record UpdatedSep 20, 2026

February 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address499 APACHE ST, FORT WALTON BEACH, FL 32547-2973
Transaction TypeMortgage
Record UpdatedJun 4, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address127 PATRICK DR, FORT WALTON BEACH, FL 32547-6721

Mortgage

Document Number0003736934
DateFeb 12, 2025
Instrument3736934
Lender
NameINNOVATIONS FINANCIAL CU
TypeCredit Union
AddressPANAMA CITY, FL 32406
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term12 Months
DueFeb 26, 2026
Interest
Rate8.5%

May 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateMay 8, 2026
Property Address499 APACHE ST, FORT WALTON BEACH, FL 32547-2973
Document Number0003815713
Instrument DateMay 7, 2026
Instrument2026.3815713
Transaction TypeTransfer
Record UpdatedMay 20, 2026
Title CompanyMEAD LAW AND TITLE, MEAD LAW & TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$301,818.30
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address499 APACHE ST, FORT WALTON BEACH, FL 32547-2973

Mortgage

Document Number0003815714,
DateMay 8, 2026
Instrument2026..3815714
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 1, 2056
Interest
Rate TypeAdjustable Rate
Rate6.38%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

December 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOKALOOSA FL
Recording DateDec 17, 2024
Property Address499 APACHE ST, FORT WALTON BEACH, FL 32547-2973
Document Number0003728494
Instrument DateDec 16, 2024
Instrument3728494
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address127 PATRICK DR, FT WALTON BCH, FL 32547-6721

Transferred To (Grantee/Buyer)

NameVerified Name
Address127 PATRICK DR, FORT WALTON BEACH, FL 32547-6721

Tax Assessment & Valuation

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$900.00$73,450 Land $73,450$73,450 Land $73,450

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 Record
median of 43 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies43 in force
Nearby Flood Claims1 (2004)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 2004 · Hurricane Frances

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

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

Wildfire RiskLow
lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood0.03% annual chance
ExposureIndirect
within 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 349 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
LiveOak Fiber
Fiber		5,000 / 5,000
AT&T
Fiber		5,000 / 5,000
Cox Communications
Cable		2,000 / 100

May also be available: Verizon.

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