86 Cutter Ln, Shalimar, FL 32579 Property Records

Okaloosa County property record for 86 Cutter Ln, Shalimar, FL 32579 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,452 sqft · built 1982
Lot Size	0.096 acres (4,178 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Apr 2022)
Tax Bill	$1,928 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-592-5531-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-592-5531-5`
Alternative APNs	`05-2S-23-2085-000E-0030` `23S2052085000E0030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,452 sqft Living Area
Gross Area	2,066 sqft
1st Floor Area	1,452 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Townhouse
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	4,178 sqft (0.096 acres)
Lot Width	40 ft Width
Garage Type	Attached
Garage Area	368 sqft
Porch	Finished/Open Porch
Porch Area	56 sqft
Patio Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	86 CUTTER LN
City	SHALIMAR
State	FL
Zip	32579-1391
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PORT DIXIE PATIO HOMES LOT 3 BLK E
Legal Range	23W
Legal Township	02S
Legal Section	05
Legal Subdivision	PORT DIXIE PATIO HOMES
Legal Block	E
Legal Lot Number	3
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2012
Census Tract	21502

Owner

Source: Okaloosa County records · APN C56-000-592-5531-5

Assessment roll updated December 31, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	86 CUTTER LN, SHALIMAR, FL 32579-1391
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Feb 09, 2023	Deed of Trust, Mortgage · Conventional Mortgage EGLIN FCU
Apr 06, 2022	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE ONE OF THE SOUTH INC
Apr 20, 2021	Warranty Deed, Transfer OLD SOUTH LAND TITLE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 06, 2022 · Amount on Record
Deed Sale	Apr 06, 2022 · Amount on Record
Prior Sale	Apr 20, 2021 · Amount on Record
Deed Document Number	20223540331
Deed Book / Page	3614 / 3539
Last Transfer Date	Jun 05, 2025
Transfer Doc	0003757943
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	86 CUTTER LN, SHALIMAR, FL 32579-1391
Transaction Type	Mortgage
Record Updated	Feb 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036612704
Date	Feb 09, 2023
Book Page	3661/2704
Instrument	3605351

Lender

Name	EGLIN FCU
Type	Credit Union
Address	FORT WALTON BEACH, FL 32547

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 01, 2038

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 06, 2022
Property Address	86 CUTTER LN, SHALIMAR, FL 32579-1391
Document Number	0036143539
Book / Page	3614 / 3539
Map Reference	MB 6 PG 75
Instrument Date	Apr 04, 2022
Instrument	3540331
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 499, SHALIMAR, FL 32579-0499

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 CUTTER LN, SHALIMAR, FL 32579-1391

Mortgage

Document Number	0036143541
Date	Apr 06, 2022
Instrument	3614/3541

Lender

Name	MORTGAGE ONE OF THE SOUTH INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2052

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 20, 2021
Property Address	86 CUTTER LN, SHALIMAR, FL 32579-1391
Document Number	0035404893
Book / Page	3540 / 4893
Map Reference	MB 6 PG 75
Instrument Date	Mar 26, 2021
Instrument	3448291
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount Recorded
Tax	$1,329.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8633A RANSOM LOOP, MOUNTAIN HOME AFB, ID 83648-5010

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 499, SHALIMAR, FL 32579-0499

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,928.00 (+5.82%)	$196,687 (+5.65%)	$224,147 (+20.39%) Land $45,000 Building $179,147
2023	$1,822.00 (-9.94%) Homeowner's exemption	$186,177 (+14.89%) Land $30,000 Building $156,177	$186,177 (+14.89%) Land $30,000 Building $156,177
2022	$2,023.00 Homeowner's exemption	$162,042 Land $30,000 Building $132,042	$162,042 Land $30,000 Building $132,042

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120910215022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 29 individual NFIP policies nearby
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, rainfall accumulation, Hurricane Sally
Claims By Storm	Hurricane Opal, Oct 1995 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 621 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
LiveOak Fiber	Fiber	5,000 / 5,000
Cox Communications	Cable	2,000 / 100
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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