515 Johnson St, Valparaiso, FL 32580 Property Records

Okaloosa County property record for 515 Johnson St, Valparaiso, FL 32580

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,662 sqft · built 2019
Lot Size	0.673 acres (29,302 sqft)
Owner	Individual Name on File
Last Sale	$429,800 (Oct 2025)
Tax Bill	$3,165 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2025 Sale & Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-591-0766-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-591-0766-4`
Alternative APNs	`01-1S-23-0000-0002-0020` `23S101000000020020`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Units	4 Units
Stories	1 Story
Building Area	1,662 sqft Living Area
Gross Area	2,330 sqft
1st Floor Area	1,662 sqft
Upper Floors Area	2,030 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	29,302 sqft (0.673 acres)
Lot Width	55 ft Width
Garage Type	Attached
Garage Area	462 sqft
Porch	Florida Room
Porch Area	626 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	515 JOHNSON ST
City	VALPARAISO
State	FL
Zip	32580-1737
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM NW COR OF SW1/4 E 867FT S 30 DEG E 283FT TO POB S 29 DEG E 55FT S 60 DEG W 143FT N 29 DEG W 55FT N 60 DEG E 143FT TO POB
Legal Range	23W
Legal Township	01S
Legal Section	01
Legal Block	2
Legal Lot Number	20
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	1
Census Block	1013
Census Tract	21200

Owner

515 Johnson St is owned and occupied by an individual who bought it in October 2025.

Source: Okaloosa County records, as of December 31, 2025

Owner of Record	Individual Name on File
Mailing Address	515 JOHNSON ST, VALPARAISO, FL 32580-1737
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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
Mar 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage SOUTHPOINT BANK
Oct 20, 2025	Warranty Deed, Transfer · Conventional Mortgage CANOPY MORTGAGE LLC
Jul 30, 2019	Warranty Deed, Transfer · Conventional with PMI USAA
Jul 2, 2019	Warranty Deed, Transfer · Conventional Mortgage PRIME LNDG
May 20, 2019	Warranty Deed, Transfer · VA Mortgage AMERICAS MORTGAGE PROFESSIONALS LLC
Mar 20, 2019	Warranty Deed, Transfer · VA Mortgage USAA
Nov 13, 2018	Warranty Deed, Transfer FIRST NATIONAL LAND TITLE COMPANY INC, FIRST NAT'L LAND TITLE CO INC
Nov 13, 2018	Quit Claim Deed, Transfer · Construction Mortgage KENNETH B LENIOR
Aug 28, 2018	Warranty Deed, Transfer FIRST NATIONAL LAND TITLE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2025 · Amount on File
Deed Sale	Oct 20, 2025 · Amount on File
Prior Sale	Jul 30, 2019 · Amount on File
Deed Document Number	20253778947
Prior Transfer Date	Nov 8, 2018
Prior Transfer Doc	0033743441
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	515 JOHNSON ST, VALPARAISO, FL 32580-1737
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 JOHNSON ST, VALPARAISO, FL 32580-1737

Mortgage

Document Number	0035333842
Date	Mar 22, 2021
Book Page	3533/3842
Instrument	3439772

Lender

Name	SOUTHPOINT BANK
Type	Bank
Address	BIRMINGHAM, AL 35243

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 20, 2025
Property Address	515 JOHNSON ST, VALPARAISO, FL 32580-1737
Document Number	0003778947
Instrument Date	Oct 2, 2025
Instrument	3778947
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	PANHANDLE TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,008.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5141 STONE MOUNTAIN HWY APT 2310, 2310, STONE MOUNTAIN, GA 30087-3568

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 JOHNSON ST, VALPARAISO, FL 32580-1737

Mortgage

Document Number	0003778948
Date	Oct 20, 2025
Instrument	3778948

Lender

Name	CANOPY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 30, 2019
Property Address	515 JOHNSON ST, VALPARAISO, FL 32580-1737
Document Number	0034111441
Book / Page	003411 / 001441
Instrument Date	Jul 26, 2019
Instrument	3294457
Transaction Type	Transfer
Record Updated	Aug 22, 2019
Title Company	FIRST NATIONAL LAND TITLE COMPANY INC, FIRST NAT'L LAND TITLE CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,946.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 JOHNSON ST NICEVILLE FL 32578, NICEVILLE, FL 32578

Mortgage

Document Number	34111442
Date	Jul 30, 2019
Book Page	003411/001442
Instrument	3294458

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 29, 2049

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 2, 2019
Property Address	515 JOHNSON ST, VALPARAISO, FL 32580-1737
Document Number	0034064427
Book / Page	003406 / 004427
Instrument Date	Jun 26, 2019
Instrument	3288452
Transaction Type	Transfer
Record Updated	Jul 29, 2019
Title Company	NATIONAL TITLE CLEARING

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,813.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5501 SEMINARY RD #2003S FALLS CHURCH VA 220413910, 2003S, FALLS CHURCH, VA 22041-3910

Mortgage

Document Number	34064428
Date	Jul 2, 2019
Book Page	003406/004428
Instrument	3288453

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2049

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 20, 2019
Property Address	515 JOHNSON ST, VALPARAISO, FL 32580-1737
Document Number	0033993860
Book / Page	3399 / 3860
Instrument Date	May 14, 2019
Instrument	3278661
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	FIRST NATL LAND TTL CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 607, NICEVILLE, FL 32588-0607

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	507 JOHNSON ST, VALPARAISO, FL 32580-1737

Mortgage

Document Number	0033993862
Date	May 20, 2019
Instrument	3399-3862

Lender

Name	AMERICAS MORTGAGE PROFESSIONALS LLC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 20, 2019
Property Address	515 JOHNSON ST, VALPARAISO, FL 32580-1737
Document Number	0033893931
Book / Page	003389 / 003931
Instrument Date	Mar 14, 2019
Instrument	3265569
Transaction Type	Transfer
Record Updated	Apr 4, 2019
Title Company	FIRST NATIONAL LAND TITLE COMPANY INC, FIRST NAT'L LAND TITLE CO INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	505 JOHNSON ST VALPARAISO FL 325801738, VALPARAISO, FL 32580-1738

Mortgage

Document Number	33893932
Date	Mar 20, 2019
Book Page	003389/003932
Instrument	3265570

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 19, 2049

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 13, 2018
Property Address	515 JOHNSON ST, VALPARAISO, FL 32580-1737
Document Number	0033743439
Book / Page	003374 / 003439
Instrument Date	Nov 8, 2018
Instrument	3242887
Transaction Type	Transfer
Record Updated	Dec 4, 2018
Title Company	FIRST NATIONAL LAND TITLE COMPANY INC, FIRST NAT'L LAND TITLE CO INC

Transaction

Amount	Amount on Record
Tax	$1,400.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 607 NICEVILLE FL 325880607, NICEVILLE, FL 32588-0607

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 13, 2018
Property Address	515 JOHNSON ST, VALPARAISO, FL 32580-1737
Document Number	0033743441
Book / Page	003374 / 003441
Instrument Date	Nov 8, 2018
Instrument	3242888
Transaction Type	Transfer
Record Updated	Dec 4, 2018
Title Company	FIRST NATIONAL LAND TITLE COMPANY INC, FIRST NAT'L LAND TITLE CO INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 607 NICEVILLE FL 325880607, NICEVILLE, FL 32588-0607

Mortgage

Document Number	33743443
Date	Nov 13, 2018
Book Page	003374/003443
Instrument	3242889

Lender

Name	KENNETH B LENIOR
Address	6410 BLUE HERON CV, MEMPHIS, TN 38120-3205

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Nov 12, 2019

Interest

Rate	18%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 28, 2018
Property Address	515 JOHNSON ST, VALPARAISO, FL 32580-1737
Document Number	0033651000
Book / Page	003365 / 001000
Instrument Date	Aug 24, 2018
Instrument	3228977
Transaction Type	Transfer
Record Updated	Sep 25, 2018
Title Company	FIRST NATIONAL LAND TITLE COMPANY INC

Transaction

Amount	Amount on Record
Tax	$700.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 607 NICEVILLE FL 325880607, NICEVILLE, FL 32588-0607

Tax Assessment & Valuation

The 2025 property tax bill for 515 Johnson St was $3,165, up 3.2% from the year before.

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	$3,165.00 (+3.23%)	$254,149 (+2.9%)	$351,937 (+1.75%) Land $61,479 Building $290,458
2024	$3,066.00 (+7.17%) Homeowner's exemption	$246,986 (+3%)	$345,895 (-0.29%) Land $52,412 Building $293,483
2023	$2,861.00 (+2.84%) Homeowner's exemption	$239,792 (+3%)	$346,888 (+8.54%) Land $51,892 Building $294,996
2022	$2,782.00 Homeowner's exemption	$232,808	$319,598 Land $42,975 Building $276,623

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

Flood

FEMA maps place 515 Johnson St in Zone X, an area of minimal flood risk, within 500 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 500 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 515 Johnson St is moderate, ranking above 52% 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 52% of the US · lower than 77% 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	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.

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