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

Okaloosa County property record for 545 E Timberlake Dr, Mary Esther, FL 32569

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,441 sqft · built 1986
Lot Size	0.39 acres (16,967 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Dec 2021)
Tax Bill	$3,032 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-594-9012-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-594-9012-8`
Alternative APNs	`15-2S-25-5031-000B-0200` `25S2155031000B0200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,441 sqft Living Area
Gross Area	2,149 sqft
1st Floor Area	1,441 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	16,967 sqft (0.39 acres)
Lot Width	80 ft Width
Garage Type	Attached
Garage Area	456 sqft
Porch	Florida Room
Porch Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	545 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 20 BLK B
Legal Range	25W
Legal Township	02S
Legal Section	15
Legal Subdivision	TIMBERLAKE EST 1ST ADD
Legal Block	B
Legal Lot Number	20
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2002
Census Tract	23100

Owner

545 E Timberlake Dr is owned and occupied by two individuals who bought it in December 2021.

Source: Okaloosa County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	545 E TIMBERLAKE DR, MARY ESTHER, FL 32569-2273
Occupancy	Owner Occupied
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2021 · Amount on File
Deed Sale	Dec 29, 2021 · Amount on File
Deed Document Number	20213516166
Deed Book / Page	3595 / 4021
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 29, 2021
Property Address	545 E TIMBERLAKE DR, MARY ESTHER, FL 32569-2273
Document Number	0035954021
Book / Page	3595 / 4021
Map Reference	MB 6 PG 99
Instrument Date	Dec 23, 2021
Instrument	3516166
Transaction Type	Transfer
Record Updated	Feb 9, 2022
Title Company	MEAD LAW AND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	31 YACHT CLUB DR NE, 31, FORT WALTON BEACH, FL 32548-4470

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 E TIMBERLAKE DR, MARY ESTHER, FL 32569-2273

Mortgage

Document Number	0035954023
Date	Dec 29, 2021
Instrument	3595/4023

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 545 E Timberlake Dr was $3,032 with a homeowner's exemption.

Source: Okaloosa County assessment roll, as of December 31, 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	$3,032.00 Homeowner's exemption	$293,846	$302,363 Land $83,556 Building $218,807
2023	$3,441.00 (+8.75%)	$281,397 (+6.56%) Land $56,017 Building $225,380	$281,397 (+6.56%) Land $56,017 Building $225,380
2022	$3,164.00	$264,067 Land $52,353 Building $211,714	$264,067 Land $52,353 Building $211,714

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

Flood

FEMA maps place 545 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	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 545 E Timberlake Dr is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	0.2% 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 144 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