265 Ridge Lake Rd, Crestview, FL 32536 Property Records

Okaloosa County property record for 265 Ridge Lake Rd, Crestview, FL 32536

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,402 sqft · built 1986
Lot Size	0.559 acres (24,353 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Apr 2021)
Tax Bill	$2,266 (2025)
Deeds & Mortgages	Jan 2023 Second Mortgage Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-592-8436-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-592-8436-4`
Alternative APNs	`06-3N-23-0000-0016-0050` `23N306000000160050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,402 sqft Living Area
Gross Area	1,978 sqft
1st Floor Area	1,402 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	24,353 sqft (0.559 acres)
Lot Width	150 ft Width
Porch	Finished/Open Porch
Porch Area	300 sqft
Patio Area	276 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	265 RIDGE LAKE RD
City	CRESTVIEW
State	FL
Zip	32536-1510
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM NW COR OF S1/2 OF SE1/4 E418 FT TO POB E150 FT S160 FT TO N R/W WLY ALG R/W 151 FT N168 FT TO POB AS OR
Legal Range	23W
Legal Township	03N
Legal Section	06
Legal Block	16
Legal Lot Number	50
Jurisdiction	OKALOOSA FL
Township / Civil Division	CRESTVIEW
Census Block Group	1
Census Block	1022
Census Tract	20500

Owner

265 Ridge Lake Rd is owned and occupied by two individuals who bought it in April 2021.

Source: Okaloosa County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	265 RIDGE LAKE RD, CRESTVIEW, FL 32536-1510
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Apr 20, 2021	Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP
Mar 30, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2021 · Amount on File
Deed Sale	Apr 20, 2021 · Amount on File
Prior Sale	May 26, 2006 · Amount on File
Deed Document Number	20213448321
Deed Book / Page	3541 / 37
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	265 RIDGE LAKE RD, CRESTVIEW, FL 32536-1510
Transaction Type	Mortgage
Record Updated	Feb 17, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 RIDGE LAKE RD, CRESTVIEW, FL 32536-1510

Mortgage

Document Number	0036591555
Date	Jan 24, 2023
Book Page	3659/1555
Instrument	3602283

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	340 Months
Due	May 1, 2051

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 20, 2021
Property Address	265 RIDGE LAKE RD, CRESTVIEW, FL 32536-1510
Document Number	0035410037
Book / Page	3541 / 37
Instrument Date	Apr 20, 2021
Instrument	3448321
Transaction Type	Transfer
Record Updated	May 19, 2021
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1129 TALLOKAS RD, 1129, CRESTVIEW, FL 32536-5584

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 E 1ST AVE, CRESTVIEW, FL 32536-2501

Mortgage

Document Number	354139
Date	Apr 20, 2021
Instrument	3541/39

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 30, 2017
Property Address	265 RIDGE LAKE RD, CRESTVIEW, FL 32536-1510
Document Number	0032931501
Book / Page	003293 / 001501
Instrument Date	Jan 30, 2017
Instrument	3126121
Transaction Type	Transfer
Record Updated	May 15, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9341 SW 62ND ST MIAMI FL 331732303, MIAMI, FL 33173-2303

Tax Assessment & Valuation

The 2025 property tax bill for 265 Ridge Lake Rd was $2,266 with a homeowner's exemption.

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	$2,266.00 Homeowner's exemption	$184,750 Land $36,169 Building $148,581	$184,750 Land $36,169 Building $148,581
2023	$2,709.00 (-17.68%) Homeowner's exemption	$209,034 (+3.39%) Land $30,729 Building $178,305	$209,034 (+3.39%) Land $30,729 Building $178,305
2022	$3,291.00	$202,176 Land $28,719 Building $173,457	$202,176 Land $28,719 Building $173,457

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

Flood

FEMA maps place 265 Ridge Lake Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2020 · Hurricane Sally

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

Wildfire risk around 265 Ridge Lake Rd is moderate, ranking above 58% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 58% of the US · lower than 69% of Florida
Wildfire Likelihood	0.2% 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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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