515 E Timberlake Dr, Mary Esther, FL 32569 Property Records

Okaloosa County property record for 515 E Timberlake Dr, Mary Esther, FL 32569

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,764 sqft · built 1989
Lot Size	0.393 acres (17,144 sqft)
Owner	Individual Name on File
Last Sale	$349,000 (Oct 2020)
Tax Bill	$4,780 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-594-9000-3`

Property Details

APN / Parcel Number

Primary APN	`C56-000-594-9000-3`
Alternative APN	`15-2S-25-5031-000B-0080`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,764 sqft Heated Area
Gross Area	3,281 sqft
1st Floor Area	300 sqft
Upper Floors Area	416 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	17,144 sqft (0.393 acres)
Lot Width	98 ft Width
Garage Type	Finished
Garage Area	462 sqft
Porch	Porch
Porch Area	55 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	515 E TIMBERLAKE DR
City	MARY ESTHER
State	FL
Zip	32569-2273
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TIMBERLAKE EST 1ST ADD LOT 8 BLK B
Legal Range	25
Legal Township	02S
Legal Section	15
Legal Subdivision	TIMBERLAKE EST 1ST ADD
Legal Block	B
Legal Lot Number	8
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2002
Census Tract	23100

Owner

515 E Timberlake Dr is owned by an individual who bought it in October 2020.

Source: Okaloosa County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	285 E CAROL WAY, SAN BERNARDINO, CA 92408-4194
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2020	Warranty Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC
Aug 13, 2019	Warranty Deed, Transfer · Conventional with PMI PRIME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2020 · Amount on File
Deed Sale	Oct 21, 2020 · Amount on File
Prior Sale	Aug 13, 2019 · Amount on File
Deed Document Number	3400824
Deed Book / Page	3500 / 881
Record Updated	Jun 8, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 21, 2020
Property Address	515 E TIMBERLAKE DR, MARY ESTHER, FL 32569-2273
Document Number	0035000881
Book / Page	3500 / 881
Map Reference	MB 6 PG 99
Instrument Date	Oct 19, 2020
Instrument	3400824
Transaction Type	Transfer
Record Updated	Feb 7, 2021
Title Company	BRADLEY TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,443.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7733A CHERRY LOOP, 7733A, CLOVIS, NM 88101-8215

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 E CAROL WAY, SAN BERNARDINO, CA 92408-4194

Mortgage

Document Number	3500882
Date	Oct 21, 2020
Instrument	3500/882

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Nov 1, 2030

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 13, 2019
Property Address	515 E TIMBERLAKE DR, MARY ESTHER, FL 32569-2273
Document Number	0034132650
Book / Page	003413 / 002650
Instrument Date	Aug 12, 2019
Instrument	3297355
Transaction Type	Transfer
Record Updated	Aug 29, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7381 NAVARRE PKWY #5103 NAVARRE FL 325668451, 5103, NAVARRE, FL 32566-8451

Mortgage

Document Number	34132655
Date	Aug 13, 2019
Book Page	003413/002655
Instrument	3297358

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 12, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 515 E Timberlake Dr was $4,780.

Source: Okaloosa County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,780.00	$401,596 Land $87,734 Building $313,862	$401,596 Land $87,734 Building $313,862
2023	$4,521.00 (+10.27%)	$393,241 (+6.55%) Land $58,818 Building $334,423	$393,241 (+6.55%) Land $58,818 Building $334,423
2022	$4,100.00	$369,053 Land $54,970 Building $314,083	$369,053 Land $54,970 Building $314,083

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

Flood

FEMA maps place 515 E Timberlake Dr in Zone X, an area of minimal flood risk, though there have been 287 flood claims nearby since 1991.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 259 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	259 in force
Nearby Flood Claims	287 (1991–2021)
Claims Outside the SFHA	104 of 287
Most Recent Claim	Jul 2021 · other causes
Claims by Event	Hurricane Sally, Sep 2020 · 37 claims Hurricane Frances, Sep 2004 · 122 claims Hurricane Opal, Oct 1995 · 76 claims

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 515 E Timberlake Dr is moderate, ranking above 54% 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 54% of the US · lower than 74% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

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 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30

May also be available: AT&T, LiveOak Fiber, Verizon.

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