181 Oak Ter Dr, Crestview, FL 32539 Property Records

Okaloosa County property record for 181 Oak Ter Dr, Crestview, FL 32539

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,014 sqft · built 1989
Lot Size	0.29 acres (12,657 sqft)
Owner	Individual Name on Record
Last Sale	$129,900 (Mar 2020)
Tax Bill	$1,320 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-597-1508-6`

Property Details

APN / Parcel Number

Primary APN	`C56-000-597-1508-6`
Alternative APN	`29-3N-23-2215-000B-0050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,014 sqft Heated Area
Gross Area	1,698 sqft
1st Floor Area	1,014 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	12,657 sqft (0.29 acres)
Porch	Enclosed Porch
Porch Area	252 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	181 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 5 BLK B
Legal Range	23
Legal Township	03N
Legal Section	29
Legal Subdivision	SHOAL TERRACE EST
Legal Block	B
Legal Lot Number	5
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 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	181 OAK TERRACE DR, CRESTVIEW, FL 32539-8382
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2025	Deed of Trust, Mortgage · Line of Credit OKALOOSA COUNTY TEACHERS FCU
Mar 6, 2020	Special Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC
Nov 27, 2019	Trustee's Deed, Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2020 · Amount on Record
Deed Sale	Mar 6, 2020 · Amount on Record
Prior Sale	Nov 27, 2019 · Amount on Record
Deed Document Number	3342763
Deed Book / Page	3448 / 1964
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	181 OAK TERRACE DR, CRESTVIEW, FL 32539-8382
Transaction Type	Mortgage
Record Updated	Dec 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 OAK TERRACE DR, CRESTVIEW, FL 32539-8382

Mortgage

Document Number	0003788188
Date	Dec 10, 2025
Instrument	3788188

Lender

Name	OKALOOSA COUNTY TEACHERS FCU
Type	Credit Union
Address	CRESTVIEW, FL 32536

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 6, 2020
Property Address	181 OAK TERRACE DR, CRESTVIEW, FL 32539-8382
Document Number	0034481964
Book / Page	3448 / 1964
Map Reference	MB 11 PG 32
Instrument Date	Feb 28, 2020
Instrument	3342763
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	ACHIEVE TITLE SERVICES LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1406 N DALE MABRY HWY # HWY300, 1406, TAMPA, FL 33607-2506

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 OAK TERRACE DR, CRESTVIEW, FL 32539-8382

Mortgage

Document Number	0034481966
Date	Mar 6, 2020
Instrument	3448/1966

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

November 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 27, 2019
Property Address	181 OAK TERRACE DR, CRESTVIEW, FL 32539-8382
Document Number	0034310914
Book / Page	003431 / 000914
Instrument Date	Nov 12, 2019
Instrument	3321068
Transaction Type	Foreclosure
Record Updated	Dec 18, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$621.60
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1406 N DALE MABRY HWY #300 TAMPA FL 336072506, 300, TAMPA, FL 33607-2506
Investor	Possibly a Property Investor

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	$1,320.00 (+6.62%) Homeowner's exemption	$125,175 (+5.99%)	$161,983 (-2.09%) Land $47,080 Building $114,903
2023	$1,238.00 (+3.86%) Homeowner's exemption	$118,104 (+3%)	$165,436 (+19.03%) Land $40,000 Building $125,436
2022	$1,192.00 Homeowner's exemption	$114,664	$138,989 Land $25,718 Building $113,271

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 64% of the US · lower than 90% 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 257 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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