3087 Zach Ave, Crestview, FL 32536 Property Records

Okaloosa County property record for 3087 Zach Ave, Crestview, FL 32536

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,840 sqft · built 2011
Lot Size	0.403 acres (17,573 sqft)
Owner	Individual Name on Record
Last Sale	$332,000 (Jun 2026)
Tax Bill	$2,348 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-598-8214-2`

Property Details

APN / Parcel Number

Primary APN	`C56-000-598-8214-2`
Alternative APNs	`15-4N-23-1000-000E-0180` `23N4151000000E0180`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,840 sqft Living Area
Gross Area	2,501 sqft
1st Floor Area	1,840 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	17,573 sqft (0.403 acres)
Garage Type	Attached
Garage Area	462 sqft
Porch	Finished/Open Porch
Porch Area	199 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3087 ZACH AVE
City	CRESTVIEW
State	FL
Zip	32536-7214
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE ARTHUR EST PH I LOT 18 BLK E
Legal Range	23W
Legal Township	04N
Legal Section	15
Legal Subdivision	LAKE ARTHUR EST
Legal Phase	1
Legal Block	E
Legal Lot Number	18
Jurisdiction	OKALOOSA FL
Township / Civil Division	CRESTVIEW
Census Block Group	1
Census Block	1001
Census Tract	20304

Owner

Source: Okaloosa County records, as of July 8, 2026

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	3087 ZACH AVE, CRESTVIEW, FL 32536-7214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Aug 3, 2020	Warranty Deed, Transfer · FHA Mortgage ON Q FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2026 · Amount on Record
Deed Sale	Jun 26, 2026 · Amount on Record
Prior Sale	Aug 3, 2020 · Amount on Record
Deed Document Number	20263824594
Prior Transfer Date	Nov 17, 2010
Prior Transfer Doc	0029610462
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 26, 2026
Property Address	3087 ZACH AVE, CRESTVIEW, FL 32536-7214
Document Number	0003824594
Instrument Date	Jun 24, 2026
Instrument	20263824594
Transaction Type	Transfer
Record Updated	Jul 8, 2026
Title Company	CLEAR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$234,724.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3087 ZACH AVE, CRESTVIEW, FL 32536-7214

Mortgage

Document Number	0003824595,
Date	Jun 26, 2026
Instrument	20263824595

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 3, 2020
Property Address	3087 ZACH AVE, CRESTVIEW, FL 32536-7214
Document Number	0034800968
Book / Page	3480 / 968
Map Reference	MB 22 PG 15-18
Instrument Date	Jul 31, 2020
Instrument	3378438
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	MOULTON LAND TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,589.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	304 WEDGEWOOD LN, 304, CRESTVIEW, FL 32536-1526

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3087 ZACH AVE, CRESTVIEW, FL 32536-7214

Mortgage

Document Number	0003480969
Date	Aug 3, 2020
Instrument	3480/969

Lender

Name	ON Q FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 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	$2,348.00 (+6%) Homeowner's exemption	$269,871 (+5.99%)	$282,404 (+5.21%) Land $26,411 Building $255,993
2023	$2,215.00 (+2.36%) Homeowner's exemption	$254,626 (+3%)	$268,428 (+8.58%) Land $22,439 Building $245,989
2022	$2,164.00 Homeowner's exemption	$247,210 Land $20,971 Building $226,239	$247,210 Land $20,971 Building $226,239

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 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 61% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% 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	AUBURN WATER SYSTEM public/private · serves 22,903 people · EPA ID FL1460035
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	2 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
LiveOak Fiber Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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