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

Okaloosa County property record for 557 Rough Leaf Ln, Mary Esther, FL 32569

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,562 sqft · built 2001
Lot Size	0.133 acres (5,788 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Oct 2025)
Tax Bill	$2,864 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Oct 2020 Loan Modification + 2 more
Flood Zone	Zone X (moderate risk)
APN	`C56-000-596-0554-3`

Property Details

APN / Parcel Number

Primary APN	`C56-000-596-0554-3`
Alternative APNs	`21-2S-25-3309-000B-0220` `25S2213309000B0220`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,562 sqft Living Area
Gross Area	2,343 sqft
1st Floor Area	1,562 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	5,788 sqft (0.133 acres)
Garage Type	Attached
Garage Area	210 sqft
Porch	Finished/Open Porch
Porch Area	80 sqft
Patio Area	491 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	557 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 22 BLK B
Legal Range	25W
Legal Township	02S
Legal Section	21
Legal Subdivision	WATERFORD EST S/D
Legal Block	B
Legal Lot Number	22
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2025
Census Tract	23100

Owner

Source: Okaloosa County assessment roll, as of December 31, 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	557 ROUGH LEAF LN, MARY ESTHER, FL 32569-2184
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2025	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Oct 27, 2020	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC
Sep 15, 2017	Grant Deed, Transfer ACHIEVE TITLE SERVICES INC
Jan 9, 2017	Grant Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 6, 2025 · Amount on Record
Deed Sale	Oct 6, 2025 · Amount on Record
Prior Sale	Sep 15, 2017 · Amount on Record
Deed Document Number	20253776320
Prior Transfer Date	Apr 30, 2007
Prior Transfer Doc	0027844305
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 6, 2025
Property Address	557 ROUGH LEAF LN, MARY ESTHER, FL 32569-2184
Document Number	0003776320
Map Reference	MB 18 PG 22
Instrument Date	Oct 3, 2025
Instrument	3776320
Transaction Type	Transfer
Record Updated	Oct 29, 2025
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20547 NW 12TH AVE, MIAMI GARDENS, FL 33169-2497

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	557 ROUGH LEAF LN, MARY ESTHER, FL 32569-2184
Investor	Possibly a Property Investor

Mortgage

Document Number	0003776321
Date	Oct 6, 2025
Instrument	3776321

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKALOOSA FL
Property Address	557 ROUGH LEAF LN, MARY ESTHER, FL 32569-2184
Document Number	0035140594
Instrument Date	Oct 27, 2020
Transaction Type	Mortgage
Record Updated	Jan 18, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	557 ROUGH LEAF LN MARY ESTHER FL 325692184, MARY ESTHER, FL 32569-2184

Mortgage

Document Number	0035140594
Date	Dec 23, 2020
Book Page	003514/000594
Instrument	3417094

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 22, 2050

Interest

Rate Type	Fixed Rate

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 15, 2017
Property Address	557 ROUGH LEAF LN, MARY ESTHER, FL 32569-2184
Document Number	0033173657
Book / Page	003317 / 003657
Instrument Date	Aug 31, 2017
Instrument	3160177
Transaction Type	Transfer
Record Updated	Dec 8, 2017
Title Company	ACHIEVE TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Tax	$1,218.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	557 ROUGH LEAF LN MARY ESTHER FL 325692184, MARY ESTHER, FL 32569-2184

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 9, 2017
Property Address	557 ROUGH LEAF LN, MARY ESTHER, FL 32569-2184
Document Number	0032830232
Book / Page	003283 / 000232
Instrument Date	Dec 21, 2016
Instrument	3111288
Transaction Type	Transfer
Record Updated	Jan 24, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$749.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1406 N DALE MABRY HWY #200 TAMPA FL 336072506, 200, TAMPA, FL 33607-2506

Tax Assessment & Valuation

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	$2,864.00 (-2.52%)	$240,624 (-1.65%) Land $69,630 Building $170,994	$240,624 (-1.65%) Land $69,630 Building $170,994
2024	$2,938.00 (-0.17%)	$244,651 (+1.66%) Land $61,619 Building $183,032	$244,651 (+1.66%) Land $61,619 Building $183,032
2023	$2,943.00 (+110.97%)	$240,657 (+55.49%) Land $56,017 Building $184,640	$240,657 (+7.77%) Land $56,017 Building $184,640
2022	$1,395.00 Homeowner's exemption	$154,769	$223,310 Land $52,353 Building $170,957

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 436 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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