581 E Timberlake Dr, Mary Esther, FL 32569 Property Records

Okaloosa County property record for 581 E Timberlake Dr, Mary Esther, FL 32569

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,590 sqft · built 1985
Lot Size	0.23 acres (10,043 sqft)
Owner	2 Individual Names on File
Last Sale	$244,000 (Jun 2019)
Tax Bill	$2,056 (2024)
Deeds & Mortgages	Mar 2021 Mortgage Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-594-9026-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-594-9026-8`
Alternative APN	`15-2S-25-5031-000B-0340`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,590 sqft Heated Area
Gross Area	2,262 sqft
1st Floor Area	1,590 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Exterior Material	Wood Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,043 sqft (0.23 acres)
Lot Width	79 ft Width
Garage Type	Finished
Garage Area	572 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	581 E TIMBERLAKE DR
City	MARY ESTHER
State	FL
Zip	32569-2296
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TIMBERLAKE EST 1ST ADD LOT 34 BLK B
Legal Range	25
Legal Township	02S
Legal Section	15
Legal Subdivision	TIMBERLAKE EST 1ST ADD
Legal Block	B
Legal Lot Number	34
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2002
Census Tract	23100

Owner

581 E Timberlake Dr is owned and occupied by two individuals who bought it in June 2019.

Source: Okaloosa County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	581 E TIMBERLAKE DR, MARY ESTHER, FL 32569-2296
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2021	Deed of Trust, Mortgage · VA Mortgage ACCELERATE MORTGAGE LLC
Jun 22, 2020	Deed of Trust, Mortgage · VA Mortgage ACCELERATE MTG LLC
Jun 18, 2019	Warranty Deed, Transfer · VA Mortgage TRIDENT HM LNS
May 2, 2017	Warranty Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2019 · Amount on File
Deed Sale	Jun 18, 2019 · Amount on File
Prior Sale	May 2, 2017 · Amount on File
Deed Document Number	3285571
Deed Book / Page	3404 / 3803
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	581 E TIMBERLAKE DR, MARY ESTHER, FL 32569-2296
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	581 E TIMBERLAKE DR, MARY ESTHER, FL 32569-2296

Mortgage

Document Number	0035320388
Date	Mar 15, 2021
Book Page	3532/388
Instrument	3437704

Lender

Name	ACCELERATE MORTGAGE LLC
Type	Mortgage Company
Address	NEWARK, DE 19713

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	581 E TIMBERLAKE DR, MARY ESTHER, FL 32569-2296
Document Number	0034780776
Instrument Date	Jun 22, 2020
Transaction Type	Mortgage
Record Updated	Sep 3, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	581 E TIMBERLAKE DR MARY ESTHER FL 325692296, MARY ESTHER, FL 32569-2296

Mortgage

Document Number	0034780776
Date	Jul 27, 2020
Book Page	003478/000776
Instrument	3376186

Lender

Name	ACCELERATE MTG LLC
Address	NEWARK, DE 19713

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 26, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 18, 2019
Property Address	581 E TIMBERLAKE DR, MARY ESTHER, FL 32569-2296
Document Number	0034043803
Book / Page	003404 / 003803
Instrument Date	Jun 14, 2019
Instrument	3285571
Transaction Type	Transfer
Record Updated	Jul 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,708.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	921 DENTON BLVD NW #1608 FORT WALTON BEACH FL 325471682, 1608, FORT WALTON BEACH, FL 32547-1682

Mortgage

Document Number	34043804
Date	Jun 18, 2019
Book Page	003404/003804
Instrument	3285572

Lender

Name	TRIDENT HM LNS
Type	Funding / Finance Company
Address	GULF BREEZE, FL 32561

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 17, 2049

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 2, 2017
Property Address	581 E TIMBERLAKE DR, MARY ESTHER, FL 32569-2296
Document Number	0032974469
Book / Page	3297 / 4469
Map Reference	MB6 PG99
Instrument Date	Apr 26, 2017
Instrument	3132564
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,190.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5526 S HIGHWAY 35, 5526, ALVIN, TX 77511-8209

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	581 E TIMBERLAKE DR, MARY ESTHER, FL 32569-2296

Mortgage

Document Number	0003132565
Date	May 2, 2017
Instrument	3132565

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 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		$216,160	$294,662 Land $83,556 Building $211,106
2024	$2,056.00 (+1.83%)
2023	$2,019.00 (+5.54%) Homeowner's exemption	$203,950 (+3%)	$282,854 (+6.57%) Land $56,017 Building $226,837
2022	$1,913.00 Homeowner's exemption	$198,010	$265,422 Land $52,353 Building $213,069

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

Flood

FEMA maps place 581 E Timberlake Dr in Zone X, an area of minimal flood risk, though there have been 287 flood claims nearby since 1991.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 581 E Timberlake Dr is moderate, ranking above 54% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 54% of the US · lower than 74% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30

May also be available: AT&T, LiveOak Fiber, Verizon.

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