Okaloosa County property record for 551 Rough Leaf Ln, Mary Esther, FL 32569 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,344 sqft · built 2002 |
| Lot Size | 0.185 acres (8,085 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,819 (2025) |
| Deeds & Mortgages | May 2021 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | C56-000-596-0551-9 |
| Primary APN | C56-000-596-0551-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,344 sqft Heated Area |
| Gross Area | 1,920 sqft |
| 1st Floor Area | 1,344 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 8,085 sqft (0.185 acres) |
| Garage Type | Finished |
| Garage Area | 456 sqft |
| Porch | Open Porch |
| Porch Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 551 ROUGH LEAF LN |
|---|---|
| City | MARY ESTHER |
| State | FL |
| Zip | 32569-2184 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WATERFORD EST S/D LOT 19 BLK B |
| Legal Range | 25 |
| Legal Township | 02S |
| Legal Section | 21 |
| Legal Subdivision | WATERFORD EST S/D |
| Legal Block | B |
| Legal Lot Number | 19 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 23100 |
Source: Okaloosa County records · APN C56-000-596-0551-9
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 439 RANKIN RD, MARY ESTHER, FL 32569-1583 |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 23, 2012 |
| Deed Sale | May 23, 2012 |
| Prior Sale | Dec 19, 2005 · Amount on Record |
| Deed Document Number | 0003041206 |
| Deed Book / Page | 2876 / 4692 |
| Prior Transfer Date | Feb 24, 2009 |
| Prior Transfer Doc | 2548644 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 551 ROUGH LEAF LN, MARY ESTHER, FL 32569-2184 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2600 HAMMOND BLVD, CLOVIS, NM 88101-8631 |
| Document Number | 0035470196 |
|---|---|
| Date | May 17, 2021 |
| Book Page | 3547/196 |
| Instrument | 3455615 |
| Name | PRIMELENDING |
|---|---|
| Type | Mortgage Company |
| Address | DALLAS, TX 75252 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 01, 2036 |
Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,819.00 (-0.7%) | $236,849 (+2%) Land $69,630 Building $167,219 | $236,849 (+2%) Land $69,630 Building $167,219 |
| 2023 | $2,839.00 (+146.23%) | $232,197 (+72.55%) Land $56,017 Building $176,180 | $232,197 (+7.76%) Land $56,017 Building $176,180 |
| 2022 | $1,153.00 Homeowner's exemption | $134,568 | $215,485 Land $52,353 Building $163,132 |
Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120910231002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Cost | Premium on Record median of 259 individual NFIP policies nearby |
| 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 Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 436 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| LiveOak Fiber | Fiber | 5,000 / 5,000 |
| Cox Communications | Cable | 2,000 / 100 |
| Verizon | Fixed Wireless | 300 / 20 |
May also be available at this address: AT&T, Cox Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.
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