8588 Ludlam Rd, Laurel Hill, FL 32567 Property Records

Okaloosa County property record for 8588 Ludlam Rd, Laurel Hill, FL 32567

Property Summary

Property Type	General Agricultural/Rural
Details	3 bd · 2 ba · 3,192 sqft · built 1975
Lot Size	45.7 acres (1,993,741 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Apr 2020)
Tax Bill	$2,233 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-596-9139-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-596-9139-4`
Alternative APNs	`26-6N-22-0000-0003-0000` `22N626000000030000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,192 sqft Gross Area
1st Floor Area	2,240 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,993,741 sqft (45.7 acres)
Garage Type	Attached
Garage Area	440 sqft
Porch	Florida Room
Porch Area	512 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8588 LUDLAM RD
City	LAUREL HILL
State	FL
Zip	32567-2204
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Legal Description	COM NW COR OF SEC E 105.18 FT TO POBE 2118 FT S 438 FT E 216 FT S 402 FT S 5 DEG E 126 FT S 23 DEG W 39 FT S 37 DEG W 19.7 FT S54 DEG W 480 FT S 54 DEG W 225 FT N 34 DEG W 681 FT N 70 DEG W 486 FT N 70 DEG W 426.6 FT N 41 DEG W 778.75 TO POB
Legal Range	22W
Legal Township	06N
Legal Section	26
Legal Block	3
Legal Lot Number	3,4
Jurisdiction	OKALOOSA FL
Township / Civil Division	LAUREL HILL
Census Block Group	1
Census Block	1006
Census Tract	20200

Owner

8588 Ludlam Rd, an agricultural property, is owned by two individuals who bought it in April 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	8588 LUDLAM RD, LAUREL HILL, FL 32567-2204
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 29, 2021	Deed of Trust, Mortgage · VA Mortgage PLANET HOME LENDING LLC
Apr 2, 2020	Warranty Deed, Transfer · VA Mortgage KS STATEBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2020 · Amount on File
Deed Sale	Apr 2, 2020 · Amount on File
Deed Document Number	20203349348
Deed Book / Page	3453 / 4576
Prior Transfer Date	Mar 13, 2020
Prior Transfer Doc	0034501948
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	8588 LUDLAM RD, LAUREL HILL, FL 32567-2204
Transaction Type	Mortgage
Record Updated	Apr 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8588 LUDLAM RD, LAUREL HILL, FL 32567-2204

Mortgage

Document Number	0035352435
Date	Mar 29, 2021
Book Page	3535/2435
Instrument	3441819

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

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

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 2, 2020
Property Address	8588 LUDLAM RD, LAUREL HILL, FL 32567-2204
Document Number	0034534576
Book / Page	003453 / 004576
Instrument Date	Mar 31, 2020
Instrument	3349348
Transaction Type	Transfer
Record Updated	Jun 8, 2020
Title Company	MOULTON LAND TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8588 LUDLAM RD LAUREL HILL FL 325672204, LAUREL HILL, FL 32567-2204

Mortgage

Document Number	34534579
Date	Apr 2, 2020
Book Page	003453/004579
Instrument	3349349

Lender

Name	KS STATEBANK
Address	MANHATTAN, KS 66502

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 8588 Ludlam Rd was $2,233.

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	$2,233.00	$205,657	$294,757 Land $109,321 Building $185,436
2023	$2,041.00 (+697.27%)	$198,036 (+33.58%) Land $19,643 Building $178,393	$287,136 (+4.96%)
2022	$256.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$148,258 Land $19,038 Building $129,220	$273,577

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

Flood

FEMA maps place 8588 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 8588 Ludlam Rd is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 60% of the US · lower than 66% of Florida
Wildfire Likelihood	0.2% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

May also be available: Wildstar Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

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