2858 Penney Ln, Crestview, FL 32539 Property Records

Okaloosa County property record for 2858 Penney Ln, Crestview, FL 32539

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,257 sqft · built 2003
Lot Size	0.439 acres (19,146 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Sep 2022)
Tax Bill	$1,330 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Jan 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-597-0826-3`

Property Details

APN / Parcel Number

Primary APN	`C56-000-597-0826-3`
Alternative APN	`28-3N-23-237C-0000-0660`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,257 sqft Heated Area
Gross Area	1,688 sqft
1st Floor Area	1,166 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	19,146 sqft (0.439 acres)
Garage Type	Finished
Garage Area	299 sqft
Porch	Open Porch
Porch Area	32 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2858 PENNEY LN
City	CRESTVIEW
State	FL
Zip	32539-6322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STONEBRIDGE PH III LOT 66
Legal Range	23
Legal Township	03N
Legal Section	28
Legal Subdivision	STONEBRIDGE PH III
Legal Phase	3
Legal Lot Number	66
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
Mailing Address	2858 PENNEY LN, CRESTVIEW, FL 32539-6322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2022	Warranty Deed, Transfer · VA Mortgage BROKER SOLUTIONS INC
Jan 19, 2018	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Jul 19, 2017	Special Warranty Deed, Transfer · Commercial Mortgage CCB COMMUNITY BANK
Mar 16, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2022 · Amount on Record
Deed Sale	Sep 2, 2022 · Amount on Record
Prior Sale	Jan 19, 2018 · Amount on Record
Deed Document Number	3576129
Deed Book / Page	3641 / 497
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 2, 2022
Property Address	2858 PENNEY LN, CRESTVIEW, FL 32539-6322
Document Number	0036410497
Book / Page	3641 / 497
Map Reference	MB 12 PG 39
Instrument Date	Sep 1, 2022
Instrument	3576129
Transaction Type	Transfer
Record Updated	Sep 26, 2022
Title Company	NOT AVAILABLE, OLD SOUTH LAND TITLE CO INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5759 MARIGOLD LOOP, 5759, CRESTVIEW, FL 32539-8406

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2858 PENNEY LN, CRESTVIEW, FL 32539-6322

Mortgage

Document Number	0003641499
Date	Sep 2, 2022
Instrument	3641/499

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 19, 2018
Property Address	2858 PENNEY LN, CRESTVIEW, FL 32539-6322
Document Number	0033334757
Book / Page	003333 / 004757
Instrument Date	Jan 17, 2018
Instrument	3183486
Transaction Type	Transfer
Record Updated	Feb 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$875.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2935 AZALEA DR EGLIN AFB FL 325423234, EGLIN AFB, FL 32542-3234

Mortgage

Document Number	33334759
Date	Jan 19, 2018
Book Page	003333/004759
Instrument	3183487

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 18, 2048

July 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 19, 2017
Property Address	2858 PENNEY LN, CRESTVIEW, FL 32539-6322
Document Number	0033090484
Book / Page	3309 / 0484
Map Reference	MB12 PG39
Instrument Date	Jun 9, 2017
Instrument	3148127
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	PREMIUM TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1661 WORTHINGTON RD STE 100, 1661, WEST PALM BEACH, FL 33409-6493

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6876 CAMPTON LN, LAUREL HILL, FL 32567-8342

Mortgage

Document Number	0003148128
Date	Jul 19, 2017
Instrument	3148128

Lender

Name	CCB COMMUNITY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

March 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 16, 2017
Property Address	2858 PENNEY LN, CRESTVIEW, FL 32539-6322
Document Number	0032911707
Book / Page	003291 / 001707
Instrument Date	Mar 1, 2017
Instrument	3123395
Transaction Type	Foreclosure
Record Updated	Apr 18, 2017

Transaction

Amount	Amount Recorded
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2858 PENNEY LN CRESTVIEW FL 325396322, CRESTVIEW, FL 32539-6322

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	$1,330.00 (-3.9%) Homeowner's exemption	$162,941 (-3.19%) Land $44,726 Building $118,215	$162,941 (-3.19%) Land $44,726 Building $118,215
2023	$1,384.00 (+68.17%) Homeowner's exemption	$168,305 (+53.7%) Land $38,000 Building $130,305	$168,305 (+11.19%) Land $38,000 Building $130,305
2022	$823.00 Homeowner's exemption	$109,501	$151,362 Land $28,719 Building $122,643

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 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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