295 Garden St, Crestview, FL 32536 Property Records

Okaloosa County property record for 295 Garden St, Crestview, FL 32536

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,160 sqft · built 1977
Lot Size	0.726 acres (31,618 sqft)
Owner	2 Individual Names on File
Last Sale	$353,000 (Apr 2026)
Tax Bill	$2,370 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-592-0699-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-592-0699-5`
Alternative APNs	`04-3N-23-1841-0005-001A` `23N30418410005001A`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	3,160 sqft Living Area
Gross Area	4,479 sqft
1st Floor Area	3,160 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	31,618 sqft (0.726 acres)
Lot Width	120 ft Width
Garage Type	Carport
Garage Area	256 sqft
Carport	Carport
Carport Area	256 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	542 sqft
Patio Area	56 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	295 GARDEN ST
City	CRESTVIEW
State	FL
Zip	32536-1717
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RE S/D BLK 5 OAKDALE M/F BEG SW COR LOT 1 E 253.69 FT N 117.61 FT W 230.11 FT S 13 DEG W 119.96 FT TO POB
Legal Range	23W
Legal Township	03N
Legal Section	04
Legal Subdivision	OAKDALE M/F
Legal Block	5
Legal Lot Number	1
Jurisdiction	OKALOOSA FL
Township / Civil Division	CRESTVIEW
Census Block Group	1
Census Block	1041
Census Tract	20500

Owner

Source: Okaloosa County records · APN C56-000-592-0699-5

Assessment roll updated December 31, 2025 · Last verified April 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	295 GARDEN ST, CRESTVIEW, FL 32536-1717
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 07, 2026 · Amount on Record
Deed Sale	Apr 07, 2026 · Amount on Record
Deed Document Number	20263809002
Prior Transfer Date	Mar 10, 2006
Prior Transfer Doc	0027184561
Record Updated	Jun 08, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 07, 2026
Property Address	295 GARDEN ST, CRESTVIEW, FL 32536-1717
Document Number	0003809002
Instrument Date	Apr 02, 2026
Instrument	20263809002
Transaction Type	Transfer
Record Updated	Apr 16, 2026
Title Company	MORTGAGE RESEARCH CENTER

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$249,571.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 GARDEN ST, CRESTVIEW, FL 32536-1717

Mortgage

Document Number	0003809003,
Date	Apr 07, 2026
Instrument	20263809003

Lender

Name	MORTGAGE RESEARCH CTR

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.01%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified April 2026

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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,370.00 (+5.43%) Homeowner's exemption	$191,329 (+5.99%)	$307,383 (-5.66%) Land $28,418 Building $278,965
2023	$2,248.00 (+3.17%) Homeowner's exemption	$180,521 (+3%)	$325,814 (+6.25%) Land $24,144 Building $301,670
2022	$2,179.00 Homeowner's exemption	$175,263	$306,658 Land $22,565 Building $284,093

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 8, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: LiveOak Fiber.

Based on FCC filings for 126 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CRESTVIEW, CITY OF WATER DEPT. serves 34,789 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.