78 Binnacle Ln, Shalimar, FL 32579 Property Records

Okaloosa County property record for 78 Binnacle Ln, Shalimar, FL 32579

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,218 sqft · built 1978
Lot Size	0.174 acres (7,615 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Oct 2019)
Tax Bill	$2,621 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Feb 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-592-5183-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-592-5183-5`
Alternative APN	`05-2S-23-2080-0114-00L0`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,218 sqft Heated Area
Gross Area	1,702 sqft
1st Floor Area	1,218 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	7,615 sqft (0.174 acres)
Lot Width	80 ft Width
Garage Type	Finished
Garage Area	360 sqft
Porch	Open Porch
Porch Area	82 sqft
Patio Area	42 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	78 BINNACLE LN
City	SHALIMAR
State	FL
Zip	32579-1412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PORT DIXIE BEG SW COR LOT 1 BLK 114 E330 FT N160 FT TO BEG N80 FT W100 FT S80 FT E100 FT TO BEG
Legal Range	23
Legal Township	02S
Legal Section	05
Legal Subdivision	PORT DIXIE
Legal Block	114
Legal Lot Number	1
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2025
Census Tract	21502

Owner

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

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	12 LAKE LORRAINE CIR, SHALIMAR, FL 32579-1618
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Feb 16, 2021	Deed of Trust, Mortgage · Line of Credit WHITNEY BANK
Oct 2, 2019	Warranty Deed, Transfer · Conventional Mortgage BEACH COMMUNITY MORTGAGE SERVICES I

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2019 · Amount on File
Deed Sale	Oct 2, 2019 · Amount on File
Deed Document Number	3308586
Deed Book / Page	3421 / 4302
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	78 BINNACLE LN, SHALIMAR, FL 32579-1412
Transaction Type	Mortgage
Record Updated	Feb 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 BINNACLE LN, SHALIMAR, FL 32579-1412

Mortgage

Document Number	0036073651
Date	Mar 3, 2022
Book Page	3607/3651
Instrument	3531282

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	78 BINNACLE LN, SHALIMAR, FL 32579-1412
Transaction Type	Mortgage
Record Updated	Feb 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 BINNACLE LN, SHALIMAR, FL 32579-1412

Mortgage

Document Number	0035260316
Date	Feb 16, 2021
Book Page	3526/316
Instrument	3430458

Lender

Name	WHITNEY BANK
Type	Bank
Address	DESTIN, FL 32541

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Feb 4, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 2, 2019
Property Address	78 BINNACLE LN, SHALIMAR, FL 32579-1412
Document Number	0034214302
Book / Page	3421 / 4302
Instrument Date	Sep 27, 2019
Instrument	3308586
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	COTTON LAND TITLE LLC

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	3220 PLEASANT GROVE CHURCH RD, 3220, NASHVILLE, NC 27856-8656

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 BINNACLE LN, SHALIMAR, FL 32579-1412

Mortgage

Document Number	0034214303
Date	Oct 2, 2019
Instrument	3421-4303

Lender

Name	BEACH COMMUNITY MORTGAGE SERVICES I
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

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	$2,621.00 (-3.5%)	$213,736 (-2.61%) Land $83,200 Building $130,536	$213,736 (-2.61%) Land $83,200 Building $130,536
2023	$2,716.00 (+112.02%)	$219,454 (+55.12%) Land $58,203 Building $161,251	$219,454 (+8.56%) Land $58,203 Building $161,251
2022	$1,281.00 Homeowner's exemption	$141,473	$202,144 Land $54,396 Building $147,748

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 29 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	4 (1995–2020)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Opal, Oct 1995 · 2 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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	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.

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 527 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	2,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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