Okaloosa County property record for 575 Rough Leaf Ln, Mary Esther, FL 32569
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,009 sqft · built 2001 |
| Lot Size | 0.169 acres (7,343 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $380,000 (Apr 2026) |
| Tax Bill | $3,785 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage May 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | C56-000-596-0563-4 |
| Primary APN | C56-000-596-0563-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,009 sqft Living Area |
| Gross Area | 2,907 sqft |
| 1st Floor Area | 2,009 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 7,343 sqft (0.169 acres) |
| Garage Type | Attached |
| Garage Area | 520 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 48 sqft |
| Patio Area | 190 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 575 ROUGH LEAF LN |
|---|---|
| City | MARY ESTHER |
| State | FL |
| Zip | 32569-2185 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WATERFORD EST S/D LOT 31 BLK B |
| Legal Range | 25W |
| Legal Township | 02S |
| Legal Section | 21 |
| Legal Subdivision | WATERFORD EST S/D |
| Legal Block | B |
| Legal Lot Number | 31 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 23100 |
Source: Okaloosa County records · APN C56-000-596-0563-4
Assessment roll updated December 31, 2025 · Last verified May 2026
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 File |
|---|---|
| Mailing Address | 575 ROUGH LEAF LN, MARY ESTHER, FL 32569-2185 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 14, 2026 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR |
| May 05, 2023 | Special Warranty Deed, Transfer · Commercial Mortgage ALTALOANS CORPORATION |
| Nov 03, 2020 | Deed of Trust, Mortgage · Conventional Mortgage EGLIN FCU |
| Nov 05, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 14, 2026 · Amount on Record |
| Deed Sale | Apr 14, 2026 · Amount on Record |
| Prior Sale | May 05, 2023 · Amount on Record |
| Deed Document Number | 20263810288 |
| Prior Transfer Date | Aug 29, 2019 |
| Prior Transfer Doc | 0034271481 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Apr 14, 2026 |
| Property Address | 575 ROUGH LEAF LN, MARY ESTHER, FL 32569-2185 |
| Document Number | 0003810288 |
| Instrument Date | Mar 04, 2026 |
| Instrument | 2026.3810288 |
| Transaction Type | Transfer |
| Record Updated | May 06, 2026 |
| Title Company | ALL COAST TITLE AND ESCROW, EAST COAST TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $268,660.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 575 ROUGH LEAF LN, MARY ESTHER, FL 32569-2185 |
| Document Number | 0003810291, |
|---|---|
| Date | Apr 14, 2026 |
| Instrument | 2026..3810291 |
| Name | MORTGAGE RESEARCH CTR |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | May 05, 2023 |
| Property Address | 575 ROUGH LEAF LN, MARY ESTHER, FL 32569-2185 |
| Document Number | 0036733983 |
| Book / Page | 3673 / 3983 |
| Map Reference | MB 18 PG 22 |
| Instrument Date | May 03, 2023 |
| Instrument | 3621918 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2023 |
| Title Company | FIRST CHOICE TITLE, FIRST CHOICE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,344.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 401 NE 14TH AVE # AVE101, AVE101, HALLANDALE BEACH, FL 33009-7466 |
| Name | Verified Name |
|---|---|
| Address | 41 CRANONA BLVD, STONY CREEK ONTARIO XX |
| Document Number | 0036733985 |
|---|---|
| Date | May 05, 2023 |
| Instrument | 3673/3985 |
| Name | ALTALOANS CORPORATION |
|---|---|
| Type | Non-Lending Institution |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 575 ROUGH LEAF LN, MARY ESTHER, FL 32569-2185 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | MOULTON LAND TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0035030173 |
|---|---|
| Date | Nov 03, 2020 |
| Book Page | 3503/173 |
| Instrument | 3404321 |
| Name | EGLIN FCU |
|---|---|
| Type | Credit Union |
| Address | FORT WALTON BEACH, FL 32547 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Nov 05, 2019 |
| Property Address | 575 ROUGH LEAF LN, MARY ESTHER, FL 32569-2185 |
| Document Number | 0034271481 |
| Book / Page | 003427 / 001481 |
| Instrument Date | Aug 29, 2019 |
| Instrument | 3316038 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 575 ROUGH LEAF LN MARY ESTHER FL 325692185, MARY ESTHER, FL 32569-2185 |
Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified May 2026
| 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,785.00 (+130.65%) | $318,017 (+83.78%) Land $69,630 Building $248,387 | $318,017 (+2.03%) Land $69,630 Building $248,387 |
| 2023 | $1,641.00 (+5.67%) Homeowner's exemption | $173,043 (+3%) | $311,699 (+8.08%) Land $56,017 Building $255,682 |
| 2022 | $1,553.00 Homeowner's exemption | $168,003 | $288,397 Land $52,353 Building $236,044 |
Source: FEMA National Flood Hazard Layer as of March 8, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Moderate above 44% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| 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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T, LiveOak Fiber, Verizon.
Based on FCC filings for 234 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | OKALOOSA CO.WTR.; SWR.SYSTEM serves 80,295 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2023 |
| Lead | 3 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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