Okaloosa County property record for 559 Rough Leaf Ln, Mary Esther, FL 32569 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,565 sqft · built 2002 |
| Lot Size | 0.12 acres (5,261 sqft) |
| Owner | Individual Name on File |
| Last Sale | $320,000 (Dec 2021) |
| Tax Bill | $3,096 (2025) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage Mar 2018 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | C56-000-596-0555-0 |
| Primary APN | C56-000-596-0555-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,565 sqft Heated Area |
| Gross Area | 2,325 sqft |
| 1st Floor Area | 1,565 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 5,261 sqft (0.12 acres) |
| Garage Type | Finished |
| Garage Area | 380 sqft |
| Porch | Open Porch |
| Porch Area | 30 sqft |
| Patio Area | 350 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 559 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 23 BLK B |
| Legal Range | 25 |
| Legal Township | 02S |
| Legal Section | 21 |
| Legal Subdivision | WATERFORD EST S/D |
| Legal Block | B |
| Legal Lot Number | 23 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 23100 |
Source: Okaloosa County records · APN C56-000-596-0555-0
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 | 731 LLOYD ST, FT WALTON BCH, FL 32547-7161 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 28, 2021 | Warranty Deed, Transfer · VA Mortgage BROKER SOLUTIONS INC |
| Mar 05, 2018 | Warranty Deed, Transfer · VA Mortgage MORTGAGE ONE/SOUTH |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 28, 2021 · Amount on Record |
| Deed Sale | Dec 28, 2021 · Amount on Record |
| Prior Sale | Mar 05, 2018 · Amount on Record |
| Deed Document Number | 3515789 |
| Deed Book / Page | 3595 / 2478 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Dec 28, 2021 |
| Property Address | 559 ROUGH LEAF LN, MARY ESTHER, FL 32569-2184 |
| Document Number | 0035952478 |
| Book / Page | 3595 / 2478 |
| Map Reference | MB 18 PG 22 |
| Instrument Date | Dec 06, 2021 |
| Instrument | 3515789 |
| Transaction Type | Transfer |
| Record Updated | Feb 09, 2022 |
| Title Company | OLD SOUTH LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,240.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 208 POST RD, 208, POLK CITY, FL 33868-9346 |
| Name | Verified Name |
|---|---|
| Address | 559 ROUGH LEAF LN, MARY ESTHER, FL 32569-2184 |
| Document Number | 0035952480 |
|---|---|
| Date | Dec 28, 2021 |
| Instrument | 3595/2480 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Mar 05, 2018 |
| Property Address | 559 ROUGH LEAF LN, MARY ESTHER, FL 32569-2184 |
| Document Number | 0033393931 |
| Book / Page | 003339 / 003931 |
| Instrument Date | Feb 23, 2018 |
| Instrument | 3192113 |
| Transaction Type | Transfer |
| Record Updated | Mar 15, 2018 |
| Title Company | OLD SOUTH LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,295.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 559 ROUGH LEAF LN MARY ESTHER FL 325692184, MARY ESTHER, FL 32569-2184 |
| Document Number | 33393933 |
|---|---|
| Date | Mar 05, 2018 |
| Book Page | 003339/003933 |
| Instrument | 3192114 |
| Name | MORTGAGE ONE/SOUTH |
|---|---|
| Type | Mortgage Company |
| Address | FORT WALTON BEACH, FL 32548 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 04, 2048 |
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 | $3,096.00 (+18.35%) | $260,092 (+2.9%) Land $69,630 Building $190,462 | $260,092 (-1.61%) Land $69,630 Building $190,462 |
| 2023 | $2,616.00 (+5.44%) Homeowner's exemption | $252,753 (+3%) | $264,338 (+7.72%) Land $56,017 Building $208,321 |
| 2022 | $2,481.00 Homeowner's exemption | $245,391 Land $52,353 Building $193,038 | $245,391 Land $52,353 Building $193,038 |
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 500 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 202 of 259 on primary residences |
| Nearby Flood Claims | 287 (1991–2021) |
| Claims Outside the SFHA | 104 of 287 |
| Most Recent Claim | Jul 2021, other causes |
| Flood Events |
|
| 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.
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