2856 Penney Ln, Crestview, FL 32539 Property Records

Okaloosa County property record for 2856 Penney Ln, Crestview, FL 32539

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,284 sqft · built 1998
Lot Size	0.465 acres (20,276 sqft)
Owner	Individual Name on Record
Last Sale	$249,000 (Jan 2023)
Tax Bill	$1,413 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Jan 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-597-0825-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-597-0825-5`
Alternative APN	`28-3N-23-237C-0000-0650`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,284 sqft Heated Area
Gross Area	1,941 sqft
1st Floor Area	1,284 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	20,276 sqft (0.465 acres)
Garage Type	Finished
Garage Area	252 sqft
Porch	Open Porch
Porch Area	21 sqft
Patio Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2856 PENNEY LN
City	CRESTVIEW
State	FL
Zip	32539-6322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STONEBRIDGE PH III LOT 65
Legal Range	23
Legal Township	03N
Legal Section	28
Legal Subdivision	STONEBRIDGE PH III
Legal Phase	3
Legal Lot Number	65
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	2856 PENNEY LN, CRESTVIEW, FL 32539-6322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) WATERSTONE MORTGAGE CORP
Jan 10, 2023	Warranty Deed, Transfer · VA Mortgage WATERSTONE MORTGAGE CORP
Apr 30, 2021	Warranty Deed, Subdivision Related Transfer · VA Mortgage PRIMELENDING
Jan 19, 2021	Warranty Deed, Transfer NOT AVAILABLE, BRADLEY TITLE LLC
Jun 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage NMB HM LNS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 2023 · Amount on Record
Deed Sale	Jan 10, 2023 · Amount on Record
Prior Sale	Apr 30, 2021 · Amount on Record
Deed Document Number	0036574427
Deed Book / Page	3657 / 4427
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	2856 PENNEY LN, CRESTVIEW, FL 32539-6322
Transaction Type	Mortgage
Record Updated	Feb 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2856 PENNEY LN, CRESTVIEW, FL 32539-6322

Mortgage

Document Number	0036574444
Date	Jan 10, 2023
Book Page	3657/4444
Instrument	3600178

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 10, 2023
Property Address	2856 PENNEY LN, CRESTVIEW, FL 32539-6322
Document Number	0036574427
Book / Page	3657 / 4427
Map Reference	MB 12 PG 39
Instrument Date	Jan 10, 2023
Instrument	3600176
Transaction Type	Transfer
Record Updated	Jan 27, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,743.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	579 EAGLES WAY, DEFUNIAK SPRINGS, FL 32433-8167

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2856 PENNEY LN, CRESTVIEW, FL 32539-6322

Mortgage

Document Number	0036574429
Date	Jan 10, 2023
Book Page	3657/4429
Instrument	3600177

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

April 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 30, 2021
Property Address	2856 PENNEY LN, CRESTVIEW, FL 32539-6322
Document Number	0035432994
Book / Page	3543 / 2994
Map Reference	MB 12 PG 39
Instrument Date	Apr 28, 2021
Instrument	3451507
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 3, 2023
Title Company	NOT AVAILABLE, BRADLEY TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,598.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 763, NICEVILLE, FL 32588-0763

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	579 EAGLES WAY, DEFUNIAK SPRINGS, FL 32433-8167

Mortgage

Document Number	0035432996
Date	Apr 30, 2021
Instrument	3543/2996

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 19, 2021
Property Address	2856 PENNEY LN, CRESTVIEW, FL 32539-6322
Document Number	0035190446
Book / Page	3519 / 446
Map Reference	MB 12 PG 39
Instrument Date	Jan 7, 2021
Instrument	3422694
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	NOT AVAILABLE, BRADLEY TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$764.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	164 COLLINS MILLS RD, 164, WEST GARDINER, ME 04345-3409

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 763, NICEVILLE, FL 32588-0763

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	2856 PENNEY LN, CRESTVIEW, FL 32539-6322
Document Number	0034071861
Instrument Date	Jun 26, 2019
Transaction Type	Mortgage
Record Updated	Jul 29, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	164 COLLINS MILLS RD WEST GARDINER ME 043453409, WEST GARDINER, ME 04345-3409

Mortgage

Document Number	0034071861
Date	Jul 3, 2019
Book Page	003407/001861
Instrument	3289017

Lender

Name	NMB HM LNS INC
Address	LEBANON, NJ 08833

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2049

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	$1,413.00 (-21.8%) Homeowner's exemption	$171,669 (-3.18%) Land $44,726 Building $126,943	$171,669 (-3.18%) Land $44,726 Building $126,943
2023	$1,807.00 (+9.05%)	$177,307 (+11.21%) Land $38,000 Building $139,307	$177,307 (+11.21%) Land $38,000 Building $139,307
2022	$1,657.00	$159,429 Land $28,719 Building $130,710	$159,429 Land $28,719 Building $130,710

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	Moderate above 45% of the US · lower than 84% 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 171 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	2,000 / 35

May also be available: Verizon.

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