Okaloosa County property record for 528 E Timberlake Dr, Mary Esther, FL 32569
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,695 sqft · built 1989 |
| Lot Size | 0.229 acres (9,993 sqft) |
| Owner | Individual Name on File |
| Last Sale | $285,000 (Jun 2020) |
| Tax Bill | $3,311 (2025) |
| Deeds & Mortgages | Jun 2020 Sale & Mortgage Jun 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-594-8966-6 |
| Primary APN | C56-000-594-8966-6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,695 sqft Heated Area |
| Gross Area | 2,325 sqft |
| 1st Floor Area | 1,047 sqft |
| Upper Floors Area | 648 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 9,993 sqft (0.229 acres) |
| Lot Width | 80 ft Width |
| Garage Type | Finished |
| Garage Area | 399 sqft |
| Porch | Open Porch |
| Porch Area | 24 sqft |
| Patio Area | 207 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 528 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 10 BLK A |
| Legal Range | 25 |
| Legal Township | 02S |
| Legal Section | 15 |
| Legal Subdivision | TIMBERLAKE EST 1ST ADD |
| Legal Block | A |
| Legal Lot Number | 10 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 23100 |
528 E Timberlake Dr is owned by an individual who bought it in June 2020.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2304 JADYN LN, CLOVIS, NM 88101-1609 |
| 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.
| Date | Document |
|---|---|
| Jun 11, 2020 | Warranty Deed, Transfer · VA Mortgage PRIME LNDG |
| Jun 1, 2017 | Warranty Deed, Transfer · VA Mortgage BANK OF ENGLAND |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 11, 2020 · Amount on File |
| Deed Sale | Jun 11, 2020 · Amount on File |
| Prior Sale | Jun 1, 2017 · Amount on File |
| Deed Document Number | 0034681709 |
| Deed Book / Page | 3468 / 1709 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 11, 2020 |
| Property Address | 528 E TIMBERLAKE DR, MARY ESTHER, FL 32569-2272 |
| Document Number | 0034681709 |
| Book / Page | 003468 / 001709 |
| Instrument Date | Jun 11, 2020 |
| Instrument | 3364994 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,995.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 528 E TIMBERLAKE DR MARY ESTHER FL 325692272, MARY ESTHER, FL 32569-2272 |
| Document Number | 34681711 |
|---|---|
| Date | Jun 11, 2020 |
| Book Page | 003468/001711 |
| Instrument | 3364995 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 10, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 1, 2017 |
| Property Address | 528 E TIMBERLAKE DR, MARY ESTHER, FL 32569-2272 |
| Document Number | 0033014185 |
| Book / Page | 003301 / 004185 |
| Instrument Date | May 25, 2017 |
| Instrument | 3138261 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,491.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 528 E TIMBERLAKE DR MARY ESTHER FL 325692272, MARY ESTHER, FL 32569-2272 |
| Document Number | 33014186 |
|---|---|
| Date | Jun 1, 2017 |
| Book Page | 003301/004186 |
| Instrument | 3138262 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 31, 2047 |
The 2025 property tax bill for 528 E Timberlake Dr was $3,311.
Source: Okaloosa County assessment roll, as of July 1, 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 | $3,311.00 | $278,167 Land $83,556 Building $194,611 | $278,167 Land $83,556 Building $194,611 |
| 2023 | $2,609.00 (+5.46%) Homeowner's exemption | $252,189 (+3%) | $260,884 (+6.55%) Land $56,017 Building $204,867 |
| 2022 | $2,474.00 Homeowner's exemption | $244,844 Land $52,353 Building $192,491 | $244,844 Land $52,353 Building $192,491 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 528 E Timberlake Dr 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 A, within 500 ft |
| 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 528 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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