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556 Rough Leaf Ln, Mary Esther, FL 32569 Property Records

Okaloosa County property record for 556 Rough Leaf Ln, Mary Esther, FL 32569 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,259 sqft · built 2002
Lot Size0.144 acres (6,316 sqft)
OwnerIndividual Name on File
Last Sale$172,500 (Dec 2017)
Tax Bill$1,290 (2025)
Deeds & MortgagesJan 2021 Mortgage
Dec 2017 Sale & Mortgage
Flood ZoneZone X (moderate risk)
APNC56-000-596-0609-5

Property Details

APN / Parcel Number

Primary APNC56-000-596-0609-5
Alternative APN
  • 21-2S-25-3309-000E-0100

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,259 sqft Heated Area
Gross Area1,769 sqft
1st Floor Area865 sqft
Upper Floors Area400 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2002
Exterior MaterialVinyl
Roof TypeGable/Hip
Roof MaterialWood
Lot Area6,316 sqft (0.144 acres)
Garage TypeFinished
Garage Area300 sqft
PorchOpen Porch
Porch Area60 sqft
Patio Area150 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address556 ROUGH LEAF LN
CityMARY ESTHER
StateFL
Zip32569-2186
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWATERFORD EST S/D LOT 10 BLK E
Legal Range25
Legal Township02S
Legal Section21
Legal SubdivisionWATERFORD EST S/D
Legal BlockE
Legal Lot Number10
JurisdictionOKALOOSA FL
Township / Civil DivisionFORT WALTON BEACH
Census Block Group2
Census Block2026
Census Tract23100

Owner

Source: Okaloosa County records · APN C56-000-596-0609-5

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address556 ROUGH LEAF LN, MARY ESTHER, FL 32569-2186
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 20, 2021Deed of Trust, Mortgage · Conventional Mortgage
REGIONS BANK
Dec 07, 2017Warranty Deed, Transfer · Conventional Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 07, 2017 · Amount on Record
Deed SaleDec 07, 2017 · Amount on Record
Prior SaleMar 02, 2006 · Amount on Record
Deed Document Number3176487
Deed Book / Page3328 / 4622
Record UpdatedJun 08, 2026

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address556 ROUGH LEAF LN, MARY ESTHER, FL 32569-2186
Transaction TypeMortgage
Record UpdatedFeb 12, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address556 ROUGH LEAF LN, MARY ESTHER, FL 32569-2186

Mortgage

Document Number0035192482
DateJan 20, 2021
Book Page3519/2482
Instrument3423146
Lender
NameREGIONS BANK
TypeBank
AddressBIRMINGHAM, AL 35244
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term301 Months
DueFeb 01, 2046

December 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateDec 07, 2017
Property Address556 ROUGH LEAF LN, MARY ESTHER, FL 32569-2186
Document Number0033284622
Book / Page3328 / 4622
Map ReferenceMB18 PGS 22
Instrument DateDec 04, 2017
Instrument3176487
Transaction TypeTransfer
Record UpdatedJan 10, 2022
Title CompanyRELIABLE LAND TITLE CORP

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address17411 HIGHWAY 152, 17411, SAUCIER, MS 39574

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address556 ROUGH LEAF LN, MARY ESTHER, FL 32569-2186

Mortgage

Document Number0003176488
DateDec 07, 2017
Instrument3176488
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 01, 2047

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$1,290.00 (+5.13%) Homeowner's exemption$147,500 (+5.99%)$222,211 (+4.63%) Land $69,630 Building $152,581
2023$1,227.00 (+5.87%) Homeowner's exemption$139,168 (+3%)$212,378 (+7.77%) Land $56,017 Building $156,361
2022$1,159.00 Homeowner's exemption$135,115$197,075 Land $52,353 Building $144,722

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardModerate
500-Year FloodplainYes
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance CostPremium on Record
median of 259 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies259 in force
Nearby Flood Claims287 (1991–2021)
Claims Outside the SFHA104 of 287
Most Recent ClaimJul 2021, other causes
Claims By Storm
  • Hurricane Sally, Sep 2020 · 37 claims
  • Hurricane Frances, Sep 2004 · 122 claims
  • Hurricane Opal, Oct 1995 · 76 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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.

Internet Providers

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

ProviderTechnologyDownload / Upload (Mbps)
LiveOak FiberFiber5,000 / 5,000
Cox CommunicationsCable2,000 / 100
VerizonFixed Wireless300 / 20

May also be available at this address: AT&T, Cox Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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