Okaloosa County property record for 641 Jerrells Ave, Fort Walton Beach, FL 32547
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,500 sqft · built 1996 |
| Lot Size | 0.103 acres (4,489 sqft) |
| Owner | Individual Name on File |
| Last Sale | $225,000 (Nov 2019) |
| Tax Bill | $3,021 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Nov 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-591-7087-8 |
| Primary APN | C56-000-591-7087-8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,500 sqft Heated Area |
| Gross Area | 2,336 sqft |
| 1st Floor Area | 1,500 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 4,489 sqft (0.103 acres) |
| Garage Type | Finished |
| Garage Area | 400 sqft |
| Porch | Open Porch |
| Porch Area | 100 sqft |
| Patio Area | 336 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 641 JERRELLS AVE |
|---|---|
| City | FORT WALTON BEACH |
| State | FL |
| Zip | 32547-3174 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OLD TOWN PH I LOT 7 |
| Legal Range | 24 |
| Legal Township | 02S |
| Legal Section | 03 |
| Legal Subdivision | OLD TOWN PH I |
| Legal Phase | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 22002 |
641 Jerrells Ave is owned by an individual who bought it in November 2019.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 605 CALDERWOOD CT, PENSACOLA, FL 32534-1191 |
| 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.
| Date | Document |
|---|---|
| Sep 21, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Nov 12, 2019 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 12, 2019 · Amount on File |
| Deed Sale | Nov 12, 2019 · Amount on File |
| Prior Sale | Apr 21, 2015 · Amount on File |
| Deed Document Number | 3317385 |
| Deed Book / Page | 3428 / 1597 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 641 JERRELLS AVE, FORT WALTON BEACH, FL 32547-3174 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034923312 |
|---|---|
| Date | Sep 21, 2020 |
| Book Page | 3492/3312 |
| Instrument | 3391752 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Nov 12, 2019 |
| Property Address | 641 JERRELLS AVE, FORT WALTON BEACH, FL 32547-3174 |
| Document Number | 0034281597 |
| Book / Page | 003428 / 001597 |
| Instrument Date | Nov 6, 2019 |
| Instrument | 3317385 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2019 |
| Title Company | BRIGHT LIGHT LAND TITLE COMPANY LLC, BRIGHT LIGHT LAND TITLE CO LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,575.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 641 JERRELLS AVE FORT WALTON BEACH FL 325473174, FORT WALTON BEACH, FL 32547-3174 |
| Document Number | 34281599 |
|---|---|
| Date | Nov 12, 2019 |
| Book Page | 003428/001599 |
| Instrument | 3317386 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 11, 2049 |
The 2025 property tax bill for 641 Jerrells Ave was $3,021.
Source: Okaloosa County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,021.00 | $246,293 Land $79,680 Building $166,613 | $246,293 Land $79,680 Building $166,613 |
| 2023 | $2,803.00 (+7.89%) | $243,941 (+7.64%) Land $64,102 Building $179,839 | $243,941 (+7.64%) Land $64,102 Building $179,839 |
| 2022 | $2,598.00 | $226,624 Land $59,909 Building $166,715 | $226,624 Land $59,909 Building $166,715 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 641 Jerrells Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1984.
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 3 (1984–2004) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Sep 2004 · Hurricane Frances |
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 risk around 641 Jerrells Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 397 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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