2826 Penney Ln, Crestview, FL 32539 Property Records

Okaloosa County property record for 2826 Penney Ln, Crestview, FL 32539

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,048 sqft · built 1993
Lot Size	0.325 acres (14,168 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Jun 2023)
Tax Bill	$1,119 (2025)
Deeds & Mortgages	Dec 2023 Transfer Jun 2023 Sale + 5 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-597-0806-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-597-0806-5`
Alternative APN	`28-3N-23-237B-0000-0500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,048 sqft Heated Area
Gross Area	1,422 sqft
1st Floor Area	1,048 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	14,168 sqft (0.325 acres)
Garage Type	Finished
Garage Area	264 sqft
Porch	Open Porch
Porch Area	110 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2826 PENNEY LN
City	CRESTVIEW
State	FL
Zip	32539-6322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STONEBRIDGE PH II LOT 50
Legal Range	23
Legal Township	03N
Legal Section	28
Legal Subdivision	STONEBRIDGE PH II
Legal Phase	2
Legal Lot Number	50
Jurisdiction	OKALOOSA FL
Township / Civil Division	CRESTVIEW
Census Block Group	2
Census Block	2038
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
Co-owner	Co-owner on Record
Mailing Address	2826 PENNEY LN, CRESTVIEW, FL 32539-6322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2023	Intrafamily Transfer, Transfer
Jun 29, 2023	Warranty Deed, Transfer BRIGHT LIGHT LAND TITLE COMPANY LLC, BRIGHT LIGHT LAND TTL CO LLC
May 1, 2017	Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL NETWORK INC
Jun 29, 2020	Special Warranty Deed, Transfer · Conventional Mortgage CERTAINTY HOME LOAND LLC
Dec 4, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Nov 15, 2019	Trustee's Deed, Foreclosure NOT AVAILABLE
Dec 1, 2017	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2023 · Amount on Record
Deed Sale	Jun 29, 2023 · Amount on Record
Prior Sale	Dec 18, 2023
Deed Document Number	0036813034
Deed Book / Page	3681 / 3034
Last Transfer Date	Jan 8, 2024
Transfer Doc	0003665148
Record Updated	Jun 8, 2026

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Dec 18, 2023
Property Address	2826 PENNEY LN, CRESTVIEW, FL 32539-6322
Document Number	0003662351
Map Reference	MB 11 PG 99
Instrument Date	Dec 18, 2023
Instrument	3662351
Transaction Type	Transfer
Record Updated	Feb 1, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4698 CAHOKIA RUN, CRESTVIEW, FL 32539-5720

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2826 PENNEY LN, CRESTVIEW, FL 32539-6322

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 29, 2023
Property Address	2826 PENNEY LN, CRESTVIEW, FL 32539-6322
Document Number	0036813034
Book / Page	3681 / 3034
Map Reference	MB 11 PG 99
Instrument Date	Jun 27, 2023
Instrument	3632712
Transaction Type	Transfer
Record Updated	Feb 1, 2024
Title Company	BRIGHT LIGHT LAND TITLE COMPANY LLC, BRIGHT LIGHT LAND TTL CO LLC

Transaction

Amount	Amount Recorded
Tax	$1,680.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	99 MARINA COVE DR, NICEVILLE, FL 32578-4426

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4698 CAHOKIA RUN, CRESTVIEW, FL 32539-5720

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	2826 PENNEY LN, CRESTVIEW, FL 32539-6322
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032971992
Date	May 1, 2017
Book Page	3297/1992
Instrument	3132022

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

June 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 29, 2020
Property Address	2826 PENNEY LN, CRESTVIEW, FL 32539-6322
Document Number	0034720542
Book / Page	3472 / 542
Map Reference	MB 11 PG 99
Instrument Date	Jun 5, 2020
Instrument	3369341
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$874.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	810 VERMONT AVE, 810, WASHINGTON, DC 20420-0001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8388 FISH HATCHERY RD, HOLT, FL 32564-9117

Mortgage

Document Number	0003472544
Date	Jun 29, 2020
Instrument	3472/544

Lender

Name	CERTAINTY HOME LOAND LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 4, 2019
Property Address	2826 PENNEY LN, CRESTVIEW, FL 32539-6322
Document Number	0034314673
Book / Page	003431 / 004673
Instrument Date	Nov 22, 2019
Instrument	3322030
Transaction Type	Transfer
Record Updated	Dec 18, 2019
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

November 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 15, 2019
Property Address	2826 PENNEY LN, CRESTVIEW, FL 32539-6322
Document Number	0034290234
Book / Page	003429 / 000234
Instrument Date	Oct 29, 2019
Instrument	3318370
Transaction Type	Foreclosure
Record Updated	Dec 10, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$603.40
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	75 BEATTIE PL #300 GREENVILLE SC 296012138, 300, GREENVILLE, SC 29601-2138

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	2826 PENNEY LN, CRESTVIEW, FL 32539-6322
Document Number	0033294964
Book / Page	003329 / 004964
Instrument Date	Dec 1, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2826 PENNEY LN CRESTVIEW FL 325396322, CRESTVIEW, FL 32539-6322

Mortgage

Document Number	0033294964
Date	Dec 15, 2017
Book Page	003329/004964
Instrument	3177989

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 14, 2047

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,119.00 (+44.95%) Homeowner's exemption	$140,821 (+34.38%) Land $44,726 Building $96,095	$140,821 (-0.61%) Land $44,726 Building $96,095
2023	$772.00 (+3.21%) Homeowner's exemption	$104,793 (+3%)	$141,681 (+12.04%) Land $38,000 Building $103,681
2022	$748.00 Homeowner's exemption	$101,741	$126,461 Land $28,719 Building $97,742

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	Moderate above 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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	OKALOOSA COUNTY MID SYSTEM (CRESTVIEW) serves 7,593 people · EPA ID FL1464044
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	3 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	None 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.

Nearby Properties on Penney Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures