116 Oak Ter Dr, Crestview, FL 32539 Property Records

Okaloosa County property record for 116 Oak Ter Dr, Crestview, FL 32539

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,183 sqft · built 1993
Lot Size	0.186 acres (8,139 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Sep 2015)
Tax Bill	$1,652 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-597-1603-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-597-1603-5`
Alternative APN	`29-3N-23-2215-000F-0020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,183 sqft Heated Area
Gross Area	1,564 sqft
1st Floor Area	1,183 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	8,139 sqft (0.186 acres)
Garage Type	Finished
Garage Area	240 sqft
Porch	Open Porch
Porch Area	45 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	116 OAK TERRACE DR
City	CRESTVIEW
State	FL
Zip	32539-8383
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHOAL TERRACE EST LOT 2 BLK F
Legal Range	23
Legal Township	03N
Legal Section	29
Legal Subdivision	SHOAL TERRACE EST
Legal Block	F
Legal Lot Number	2
Jurisdiction	OKALOOSA FL
Township / Civil Division	CRESTVIEW
Census Block Group	2
Census Block	2029
Census Tract	20702

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	116 OAK TERRACE DR, CRESTVIEW, FL 32539-8383
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
May 7, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2015 · Amount on Record
Deed Sale	Sep 16, 2015 · Amount on Record
Prior Sale	Sep 16, 2015 · Amount on Record
Deed Document Number	3022073
Deed Book / Page	3216 / 3693
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	116 OAK TERRACE DR, CRESTVIEW, FL 32539-8383
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 OAK TERRACE DR, CRESTVIEW, FL 32539-8383

Mortgage

Document Number	0036624103
Date	Feb 21, 2023
Book Page	3662/4103
Instrument	3607166

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Mar 14, 2038

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	116 OAK TERRACE DR, CRESTVIEW, FL 32539-8383
Document Number	0034612090
Instrument Date	May 7, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	116 OAK TERRACE DR CRESTVIEW FL 325398383, CRESTVIEW, FL 32539-8383

Mortgage

Document Number	0034612090
Date	May 12, 2020
Book Page	003461/002090
Instrument	3357493

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 11, 2050

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 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	$1,652.00 (+6.1%) Homeowner's exemption	$146,083 (+5.99%)	$195,980 (+11.4%) Land $47,080 Building $148,900
2023	$1,557.00 (-35.74%) Homeowner's exemption	$137,831 (-7.39%)	$175,925 (+18.2%) Land $40,000 Building $135,925
2022	$2,423.00	$148,834 Land $25,718 Building $123,116	$148,834 Land $25,718 Building $123,116

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 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% 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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