103 Oak Ter Dr, Crestview, FL 32539 Property Records

Okaloosa County property record for 103 Oak Ter Dr, Crestview, FL 32539

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,240 sqft · built 1994
Lot Size	0.175 acres (7,620 sqft)
Owner	2 Company Names on Record
Last Sale	$129,900 (Aug 2018)
Tax Bill	$1,635 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Nov 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-597-1546-6`

Property Details

APN / Parcel Number

Primary APN	`C56-000-597-1546-6`
Alternative APNs	`29-3N-23-2215-000B-0430` `23N3292215000B0430`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,240 sqft Living Area
Gross Area	1,570 sqft
1st Floor Area	1,240 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	7,620 sqft (0.175 acres)
Garage Type	Attached
Garage Area	300 sqft
Porch	Finished/Open Porch
Porch Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	103 OAK TERRACE DR
City	CRESTVIEW
State	FL
Zip	32539-8382
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHOAL TERRACE EST LOT 43 BLK B
Legal Range	23W
Legal Township	03N
Legal Section	29
Legal Subdivision	SHOAL TERRACE EST
Legal Block	B
Legal Lot Number	43
Jurisdiction	OKALOOSA FL
Township / Civil Division	CRESTVIEW
Census Block Group	2
Census Block	2027
Census Tract	20702

Owner

Source: Okaloosa County records, as of December 31, 2025

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

Owner of Record	2 Company Names on Record
Mailing Address	103 OAK TERRACE DR, CRESTVIEW, FL 32539-8382
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK
Nov 3, 2025	Warranty Deed, Transfer ATTORNEY LAND TITLE, ATTORNEYS CLOSING & TITLE
Aug 14, 2018	Warranty Deed, Transfer MORTGAGE ONE/SOUTH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2018 · Amount on Record
Deed Sale	Aug 14, 2018 · Amount on Record
Prior Sale	Aug 16, 2016 · Amount on Record
Deed Document Number	20183226225
Deed Book / Page	3363 / 2109
Prior Transfer Date	Feb 13, 2007
Prior Transfer Doc	0027662858
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	103 OAK TERRACE DR, CRESTVIEW, FL 32539-8382
Transaction Type	Mortgage
Record Updated	Dec 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 OAK TERRACE DR, CRESTVIEW, FL 32539-8382

Mortgage

Document Number	0035171263
Date	Jan 7, 2021
Book Page	3517/1263
Instrument	3420555

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 3, 2025
Property Address	103 OAK TERRACE DR, CRESTVIEW, FL 32539-8382
Document Number	0003782271
Instrument Date	Oct 30, 2025
Instrument	3782271
Transaction Type	Transfer
Record Updated	Dec 1, 2025
Title Company	ATTORNEY LAND TITLE, ATTORNEYS CLOSING & TITLE

Transaction

Amount	Amount Recorded
Tax	$805.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5628 PENNINGTON RD, CRESTVIEW, FL 32539-8876

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 OAK TERRACE DR, CRESTVIEW, FL 32539-8382

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 14, 2018
Property Address	103 OAK TERRACE DR, CRESTVIEW, FL 32539-8382
Document Number	0033632109
Book / Page	003363 / 002109
Instrument Date	Aug 10, 2018
Instrument	3226225
Transaction Type	Transfer
Record Updated	Aug 30, 2018
Title Company	SOUTHTRUST LAW AND TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$909.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6180 ROCHELLE LN CRESTVIEW FL 325399787, CRESTVIEW, FL 32539-9787

Mortgage

Document Number	33632113
Date	Aug 14, 2018
Book Page	003363/002113
Instrument	3226228

Lender

Name	MORTGAGE ONE/SOUTH
Type	Mortgage Company
Address	FORT WALTON BEACH, FL 32548

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2048

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,635.00 (+6.03%) Homeowner's exemption	$145,062 (+5.99%)	$184,190 (-3.11%) Land $47,080 Building $137,110
2023	$1,542.00 (+3.63%) Homeowner's exemption	$136,868 (+3%)	$190,106 (+17.59%) Land $40,000 Building $150,106
2022	$1,488.00 Homeowner's exemption	$132,882	$161,665 Land $25,718 Building $135,947

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 Record median of 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 in force

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 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CRESTVIEW, CITY OF WATER DEPT. serves 34,789 people · EPA ID FL1460182
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	1 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	2 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 227 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	5,000 / 5,000
Cox Communications Cable	2,000 / 35

May also be available: Verizon.

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