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2860 Penney Ln, Crestview, FL 32539 Property Records

Okaloosa County property record for 2860 Penney Ln, Crestview, FL 32539

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,302 sqft · built 2003
Lot Size0.99 acres (43,113 sqft)
OwnerCompany Name on Record
Last Sale$140,000 (Jul 2021)
Tax Bill$1,740 (2025)
Deeds & MortgagesSep 2021 Mortgage
Jul 2021 Sale & Second Mortgage
Flood ZoneZone X (minimal risk)
APNC56-000-597-0827-1

Property Details

APN / Parcel Number

Primary APNC56-000-597-0827-1
Alternative APNs
  • 28-3N-23-237C-0000-0670
  • 23N328237C00000670

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,302 sqft Living Area
Gross Area1,740 sqft
1st Floor Area1,302 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialWood
Lot Area43,113 sqft (0.99 acres)
Garage TypeAttached
Garage Area264 sqft
PorchFinished/Open Porch
Porch Area30 sqft
Patio Area144 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address2860 PENNEY LN
CityCRESTVIEW
StateFL
Zip32539-6322
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSTONEBRIDGE PH III LOT 67
Legal Range23W
Legal Township03N
Legal Section28
Legal SubdivisionSTONEBRIDGE PH III
Legal Phase3
Legal Lot Number67
JurisdictionOKALOOSA FL
Township / Civil DivisionCRESTVIEW
Census Block Group2
Census Block2038
Census Tract20702

Owner

Source: Okaloosa County records, as of October 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on Record
Mailing Address21 WALTER MARTIN RD NE, FORT WALTON BEACH, FL 32548-4918
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Sep 13, 2021Deed of Trust, Mortgage · Commercial Mortgage
LENDING HOME FUNDING CORPORATION
Jul 7, 2021Warranty Deed, Transfer · Stand-Alone Second Mortgage
LENDINGHOME FUNDING CORP

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 7, 2021 · Amount on Record
Deed SaleJul 7, 2021 · Amount on Record
Prior SaleMar 20, 2009 · Amount on Record
Deed Document Number20213469537
Deed Book / Page3558 / 3128
Record UpdatedOct 29, 2026

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address2860 PENNEY LN, CRESTVIEW, FL 32539-6322
Transaction TypeMortgage
Record UpdatedJan 27, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address21 WALTER MARTIN RD NE, FT WALTON BCH, FL 32548-4918

Mortgage

Document Number0035731717
DateSep 13, 2021
Book Page3573/1717
Instrument3487895
Lender
NameLENDING HOME FUNDING CORPORATION
TypeNon-Lending Institution
AddressFLINT, MI 48501
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

July 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateJul 7, 2021
Property Address2860 PENNEY LN, CRESTVIEW, FL 32539-6322
Document Number0035583128
Book / Page3558 / 3128
Map ReferenceMB 12 PG 39
Instrument DateJun 30, 2021
Instrument3469537
Transaction TypeTransfer
Record UpdatedJul 26, 2021
Title CompanySETCO SERVICES LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$980.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address441 COUNTRY CLUB DR, 441, DEFUNIAK SPRINGS, FL 32435-4104

Transferred To (Grantee/Buyer)

NameVerified Name
Address21 WALTER MARTIN RD NE, FORT WALTON BEACH, FL 32548-4918
InvestorPossibly a Property Investor

Mortgage

Document Number35583130
DateJul 7, 2021
Instrument3558/3130
Lender
NameLENDINGHOME FUNDING CORP
TypeMortgage Company
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,740.00 (-2.58%)$169,845 (-3.09%) Land $49,199 Building $120,646$169,845 (-3.09%) Land $49,199 Building $120,646
2023$1,786.00 (+9.24%)$175,257 (+11.49%) Land $41,800 Building $133,457$175,257 (+11.49%) Land $41,800 Building $133,457
2022$1,635.00$157,199 Land $31,591 Building $125,608$157,199 Land $31,591 Building $125,608

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 10 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies10 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 RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.08% annual chance
ExposureDirect
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 SystemOKALOOSA COUNTY MID SYSTEM (CRESTVIEW)
serves 7,593 people · EPA ID FL1464044
Water SourceGroundwater
Last State InspectionApr 2023
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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