Okaloosa County property record for 524 E Timberlake Dr, Mary Esther, FL 32569
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,534 sqft · built 1991 |
| Lot Size | 0.258 acres (11,242 sqft) |
| Owner | Individual Name on File |
| Last Sale | $449,000 (Jul 2025) |
| Tax Bill | $3,150 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-594-8964-1 |
| Primary APN | C56-000-594-8964-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,534 sqft Living Area |
| Gross Area | 3,392 sqft |
| 1st Floor Area | 1,452 sqft |
| Upper Floors Area | 1,082 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 11,242 sqft (0.258 acres) |
| Lot Width | 90 ft Width |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 138 sqft |
| Patio Area | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 524 E TIMBERLAKE DR |
|---|---|
| City | MARY ESTHER |
| State | FL |
| Zip | 32569-2272 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TIMBERLAKE EST 1ST ADD LOT 8 BLK A |
| Legal Range | 25W |
| Legal Township | 02S |
| Legal Section | 15 |
| Legal Subdivision | TIMBERLAKE EST 1ST ADD |
| Legal Block | A |
| Legal Lot Number | 8 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 23100 |
524 E Timberlake Dr is owned by an individual who bought it in July 2025.
Source: Okaloosa County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2403 INDIAN BAYOU TRL UNIT 1213, 1213, DESTIN, FL 32541 |
| Owner Type | Individual |
| Vesting | Single |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 23, 2026 | Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION |
| Jul 18, 2019 | Warranty Deed, Transfer · VA Mortgage INLANTA MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 30, 2025 · Amount on File |
| Deed Sale | Jul 30, 2025 · Amount on File |
| Prior Sale | Jul 18, 2019 · Amount on File |
| Deed Document Number | 20253766241 |
| Prior Transfer Date | Apr 9, 2013 |
| Prior Transfer Doc | 0030910230 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 23, 2026 |
| Property Address | 524 E TIMBERLAKE DR, MARY ESTHER, FL 32569-2272 |
| Document Number | 0003840151 |
| Instrument Date | Sep 16, 2026 |
| Instrument | 20263840151 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2026 |
| Title Company | SETTLEMENT SERVICES, COVIUS SETTLEMENT SERVICES L |
| Name | Verified Name |
|---|---|
| Address | 524 E TIMBERLAKE DR, MARY ESTHER, FL 32569-2272 |
| Document Number | 0003840151, |
|---|---|
| Date | Sep 23, 2026 |
| Instrument | 20263840151 |
| Name | UNION FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Sep 30, 2051 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 18, 2019 |
| Property Address | 524 E TIMBERLAKE DR, MARY ESTHER, FL 32569-2272 |
| Document Number | 0034094112 |
| Book / Page | 3409 / 4112 |
| Map Reference | MB 6 PG 99 |
| Instrument Date | Jul 15, 2019 |
| Instrument | 3292348 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,240.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 524 E TIMBERLAKE DR, 524, MARY ESTHER, FL 32569-2272 |
| Name | Verified Name |
|---|---|
| Address | 5807 ROLLING RIDGE DR, KNOXVILLE, TN 37921-7305 |
| Document Number | 0034094114 |
|---|---|
| Date | Jul 18, 2019 |
| Instrument | 3409-4114 |
| Name | INLANTA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2049 |
The 2025 property tax bill for 524 E Timberlake Dr was $3,150.
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 | $3,150.00 | $303,775 | $372,320 Land $83,556 Building $288,764 |
| 2023 | $3,030.00 (+5.39%) Homeowner's exemption | $286,616 (+3%) | $364,299 (+6.44%) Land $56,017 Building $308,282 |
| 2022 | $2,875.00 Homeowner's exemption | $278,268 | $342,252 Land $52,353 Building $289,899 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 524 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 |
|
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 risk around 524 E Timberlake Dr is high, ranking above 73% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 73% of the US · above 58% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
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 172 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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