55 Avery Dr, Valparaiso, FL 32580 Property Records

Okaloosa County property record for 55 Avery Dr, Valparaiso, FL 32580

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,694 sqft · built 2018
Lot Size	0.134 acres (5,880 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,200 (Nov 2018)
Deeds & Mortgages	Aug 2023 Mortgage Aug 2018 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-001-092-6011-7`

Property Details

APN / Parcel Number

Primary APN	`C56-001-092-6011-7`
Alternative APN	`01-1S-23-1200-0000-0100`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,694 sqft Heated Area
Gross Area	1,980 sqft
1st Floor Area	1,070 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	5,880 sqft (0.134 acres)
Garage Type	Finished
Garage Area	246 sqft
Porch	Open Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	55 AVERY DR
City	VALPARAISO
State	FL
Zip	32580-1771
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CARONDOLET PH 2 LOT 10
Legal Range	23
Legal Township	01S
Legal Section	01
Legal Subdivision	CARONDOLET PH 2
Legal Phase	2
Legal Lot Number	10
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	1
Census Block	1013
Census Tract	21200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	55 AVERY DR, VALPARAISO, FL 32580-1771
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2023	Deed of Trust, Mortgage · VA Mortgage UNIVERSITY BANK
Aug 1, 2018	Deed of Trust, Mortgage · Construction Mortgage BEACH COMMUNITY BANK
Sep 6, 2019	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS
Nov 26, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 26, 2018 · Amount on Record
Deed Sale	Nov 26, 2018 · Amount on Record
Deed Document Number	3245007
Deed Book / Page	3376 / 0161
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	55 AVERY DR, VALPARAISO, FL 32580-1771
Transaction Type	Mortgage
Record Updated	Aug 21, 2023
Title Company	NOT AVAILABLE, EPIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 AVERY DR, VALPARAISO, FL 32580-1771

Mortgage

Document Number	0036864631
Date	Aug 8, 2023
Book Page	3686/4631
Instrument	3640228

Lender

Name	UNIVERSITY BANK
Type	Bank
Address	ANN ARBOR, MI 48104

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	55 AVERY DR, VALPARAISO, FL 32580-1771
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033613429
Date	Aug 1, 2018
Book Page	3361/3429
Instrument	3223644

Lender

Name	BEACH COMMUNITY BANK
Type	Bank
Address	FORT WALTON BEACH, FL 32548

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 31, 2038

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	55 AVERY DR, VALPARAISO, FL 32580-1771
Document Number	0034181543
Instrument Date	Sep 6, 2019
Transaction Type	Mortgage
Record Updated	Oct 8, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	55 AVERY DR VALPARAISO FL 325801771, VALPARAISO, FL 32580-1771

Mortgage

Document Number	0034181543
Date	Sep 11, 2019
Book Page	003418/001543
Instrument	3303939

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 10, 2049

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 26, 2018
Property Address	55 AVERY DR, VALPARAISO, FL 32580-1771
Document Number	0033760161
Book / Page	003376 / 000161
Instrument Date	Nov 21, 2018
Instrument	3245007
Transaction Type	Transfer
Record Updated	Dec 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,821.40
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	55 AVERY DR VALPARAISO FL 325801771, VALPARAISO, FL 32580-1771

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 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	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$248,452 (+5.99%)	$320,804 (-9.3%) Land $88,945 Building $231,859
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$234,417	$353,693 Land $75,076 Building $278,617

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

Flood

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 Record 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

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

Wildfire Risk	Moderate above 53% of the US · lower than 75% 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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