8435 Ludlam Rd, Laurel Hill, FL 32567 Property Records

Okaloosa County property record for 8435 Ludlam Rd, Laurel Hill, FL 32567

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,644 sqft · built 2009
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,563 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-598-8416-3`

Property Details

APN / Parcel Number

Primary APN	`C56-000-598-8416-3`
Alternative APNs	`26-6N-22-0000-0008-0010` `22N626000000080010`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,644 sqft Living Area
Gross Area	3,676 sqft
1st Floor Area	2,644 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	210 ft deep x 210 ft wide
Garage Type	Attached
Garage Area	552 sqft
Porch	Finished/Open Porch
Porch Area	480 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8435 LUDLAM RD
City	LAUREL HILL
State	FL
Zip	32567-2223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SW COR OF SEC AT E R/W OF LUDLUM RD N 210 FT TO POB E 210 FT N 210 FT W 210 FT S 210 FT TO POB
Legal Range	22W
Legal Township	06N
Legal Section	26
Legal Block	8
Legal Lot Number	10
Jurisdiction	OKALOOSA FL
Township / Civil Division	LAUREL HILL
Census Block Group	1
Census Block	1004
Census Tract	20200

Owner

8435 Ludlam Rd is owned and occupied by two individuals.

Source: Okaloosa County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	8435 LUDLAM RD, LAUREL HILL, FL 32567-2223
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
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 18, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	8435 LUDLAM RD, LAUREL HILL, FL 32567-2223
Transaction Type	Mortgage
Record Updated	Mar 4, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035262579
Date	Feb 18, 2021
Book Page	3526/2579
Instrument	3431077

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	8435 LUDLAM RD, LAUREL HILL, FL 32567-2223
Document Number	0033901969
Instrument Date	Mar 18, 2019
Transaction Type	Mortgage
Record Updated	Apr 11, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8435 LUDLAM RD LAUREL HILL FL 325672223, LAUREL HILL, FL 32567-2223

Mortgage

Document Number	0033901969
Date	Mar 22, 2019
Book Page	003390/001969
Instrument	3266469

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 21, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 8435 Ludlam Rd was $1,563 with a homeowner's exemption.

Source: Okaloosa County assessment roll, as of December 31, 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	$1,563.00 Homeowner's exemption	$174,390	$346,888 Land $7,790 Building $339,098
2023	$1,349.00 (+2.82%) Homeowner's exemption	$164,539 (+3%)	$333,866 (+8.21%) Land $6,618 Building $327,248
2022	$1,312.00 Homeowner's exemption	$159,747	$308,538 Land $6,185 Building $302,353

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

Flood

FEMA maps place 8435 Ludlam Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1998.

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	2 in force
Nearby Flood Claims	6 (1998–2009)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Mar 2009 · Severe Storms, Flooding, Tornadoes, And Straight-line Winds
Claims by Event	Severe Storms, Flooding, Tornadoes, And Straight-line Winds, Mar 2009 · 2 claims Hurricane Georges, Sep 1998 · 3 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 8435 Ludlam Rd is moderate, ranking above 57% 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 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	CITY OF LAUREL HILL serves 1,802 people · EPA ID FL1460416
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	2 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Wildstar Networks Fixed Wireless	200 / 50

May also be available: Fidium Fiber.

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