Okaloosa County property record for 120 Stephens Ln, Crestview, FL 32539 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1986 |
| Square Footage | 1,316 sqft Living Area |
| Lot Size | 43,560 sqft (1 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $87,000 (2009) |
| Tax Bill | $420.00 (2025) |
| Primary APN | C56-000-596-8824-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,316 sqft Living Area |
| Gross Area | 1,512 sqft Gross Area |
| 1st Floor | 1,316 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 43,560 sqft (1 acres) |
| Porch Area | 196 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 120 STEPHENS LN |
|---|---|
| City | CRESTVIEW |
| State | FL |
| Zip | 32539-8600 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 17 HARVEST HILL PH 3 UN/REC COM NE COR OF NW1/4 OF SE1/4 W1234.16 FT S 1310.84 FT E408 FT TO E R/W OF STEPHENS LANE S150 FT TO POB S150 FT E290 FT N150 FT W290 FT TO POB AS |
| Legal Range | 23W |
| Legal Township | 04N |
| Legal Section | 26 |
| Legal Subdivision | HARVEST HILL |
| Legal Phase | 3 |
| Legal Block | 2 |
| Legal Lot Number | 17 |
| Jurisdiction | OKALOOSA FL |
| Minor Civil Division | CRESTVIEW |
| Census Blockgroup | 1 |
| Census Block | 1001 |
| Census Tract | 20303 |
Source: Okaloosa County records · APN C56-000-596-8824-2
Assessment roll updated December 31, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 120 STEPHENS LN, CRESTVIEW, FL 32539-8600 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Feb 24, 2026 | Deed of Trust, Mortgage · Conventional Mortgage EGLIN FCU |
| Jan 09, 2026 | Deed of Trust, Mortgage · Conventional Mortgage EGLIN FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 16, 2009 · Amount on Record |
| Deed Sale | Jun 16, 2009 · Amount on Record |
| Prior Sale | May 02, 2008 · Amount on Record |
| Deed Doc Number | 20092571212 |
| Deed Book / Page | 2893 / 401 |
| Prior Transfer Date | Jun 01, 2009 |
| Prior Transfer Doc | 0028930398 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 120 STEPHENS LN, CRESTVIEW, FL 32539-8600 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2026 |
| Name | Verified Name |
|---|---|
| Address | 120 STEPHENS LN, CRESTVIEW, FL 32539-8600 |
| Document Number | 0003800722 |
|---|---|
| Date | Feb 24, 2026 |
| Instrument | 3800722 |
| Name | EGLIN FCU |
|---|---|
| Type | Credit Union |
| Address | FORT WALTON BEACH, FL 32547 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Feb 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 120 STEPHENS LN, CRESTVIEW, FL 32539-8600 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2026 |
| Name | Verified Name |
|---|---|
| Address | 120 STEPHENS LN, CRESTVIEW, FL 32539-8600 |
| Document Number | 0003792542 |
|---|---|
| Date | Jan 09, 2026 |
| Instrument | 3792542 |
| Name | EGLIN FCU |
|---|---|
| Type | Credit Union |
| Address | FORT WALTON BEACH, FL 32547 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Feb 01, 2036 |
Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
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 | $420.00 (+8.53%) | $69,703 (+5.99%) | $145,235 (+5.13%) Land $26,411 Building $118,824 |
| 2023 | $387.00 (+2.65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $65,766 (+3%) | $138,151 (+8.32%) Land $22,439 Building $115,712 |
| 2022 | $377.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $63,850 | $127,545 Land $20,971 Building $106,574 |
120 Stephens Ln is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).
Source: FEMA National Flood Hazard Layer · Okaloosa County (12091C), updated March 8, 2021
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Moderate 53rd percentile of exposed land nationally · 23rd in Florida |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 813 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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