3088 Zach Ave, Crestview, FL 32536 Property Records

Okaloosa County property record for 3088 Zach Ave, Crestview, FL 32536

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,926 sqft · built 2018
Lot Size	0.341 acres (14,891 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Jun 2023)
Tax Bill	$2,716 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Feb 2023 Foreclosure + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-598-8197-9`

Property Details

APN / Parcel Number

Primary APN	`C56-000-598-8197-9`
Alternative APN	`15-4N-23-1000-000E-0010`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,926 sqft Heated Area
Gross Area	2,745 sqft
1st Floor Area	1,926 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	14,891 sqft (0.341 acres)
Garage Type	Finished
Garage Area	575 sqft
Porch	Open Porch
Porch Area	244 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3088 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 1 BLK E
Legal Range	23
Legal Township	04N
Legal Section	15
Legal Subdivision	LAKE ARTHUR EST PH 1
Legal Phase	1
Legal Block	E
Legal Lot Number	1
Jurisdiction	OKALOOSA FL
Township / Civil Division	CRESTVIEW
Census Block Group	1
Census Block	1001
Census Tract	20304

Owner

3088 Zach Ave is owned and occupied by an individual who bought it in June 2023.

Source: Okaloosa County records, as of December 8, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3088 ZACH AVE, CRESTVIEW, FL 32536-7214
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2023	Special Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND
Feb 21, 2023	Trustee's Deed, Foreclosure
Aug 22, 2018	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Feb 10, 2017	Grant Deed, Transfer MAIN STREET LAND TITLE COMPANY, MAIN STREET LAND TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2023 · Amount on File
Deed Sale	Jun 6, 2023 · Amount on File
Prior Sale	Feb 21, 2023 · Amount on File
Deed Document Number	3628069
Deed Book / Page	3678 / 1587
Record Updated	Jun 8, 2026

June 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 6, 2023
Property Address	3088 ZACH AVE, CRESTVIEW, FL 32536-7214
Document Number	0036781587
Book / Page	3678 / 1587
Map Reference	MB 22 PG 15
Instrument Date	Jun 2, 2023
Instrument	3628069
Transaction Type	Transfer
Record Updated	Jun 28, 2023
Title Company	ACHIEVE TITLE SERVICES INC, ACHIEVE TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,380.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1406 N DALE MABRY HWY # HWY300, HWY300, TAMPA, FL 33607-2506

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3088 ZACH AVE, CRESTVIEW, FL 32536-7214

Mortgage

Document Number	0036781589
Date	Jun 6, 2023
Instrument	3678/1589

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

February 2023: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 21, 2023
Property Address	3088 ZACH AVE, CRESTVIEW, FL 32536-7214
Document Number	0036624220
Book / Page	3662 / 4220
Map Reference	MB 22 PG 15
Instrument Date	Feb 21, 2023
Instrument	3607199
Transaction Type	Foreclosure
Record Updated	Mar 10, 2023

Transaction

Amount	Amount on Record
Tax	$1,854.30
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1406 N DALE MABRY HWY STE 300, 300, TAMPA, FL 33607-2506
Investor	Possibly a Property Investor

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 22, 2018
Property Address	3088 ZACH AVE, CRESTVIEW, FL 32536-7214
Document Number	0033642753
Book / Page	3364 / 2753
Map Reference	MB22 PG15
Instrument Date	Aug 21, 2018
Instrument	3227957
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6215 APPALOOSA WAY, 6215, CRESTVIEW, FL 32536

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3088 ZACH AVE, CRESTVIEW, FL 32536-7214

Mortgage

Document Number	0003227958
Date	Aug 22, 2018
Instrument	3227958

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Interest

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 10, 2017
Property Address	3088 ZACH AVE, CRESTVIEW, FL 32536-7214
Document Number	0032870235
Book / Page	003287 / 000235
Instrument Date	Feb 10, 2017
Instrument	3117188
Transaction Type	Transfer
Record Updated	Mar 17, 2017
Title Company	MAIN STREET LAND TITLE COMPANY, MAIN STREET LAND TITLE CO

Transaction

Amount	Amount on Record
Tax	$87.50
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6015 APPALOOSA WAY CRESTVIEW FL 325364346, CRESTVIEW, FL 32536-4346

Tax Assessment & Valuation

The 2025 property tax bill for 3088 Zach Ave was $2,716 with a homeowner's exemption.

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	$2,716.00 Homeowner's exemption	$308,619	$315,778 Land $26,411 Building $289,367
2023	$1,686.00 (+2.49%) Homeowner's exemption	$199,675 (+3%)	$299,768 (+8.62%) Land $22,439 Building $277,329
2022	$1,645.00 Homeowner's exemption	$193,859	$275,985 Land $20,971 Building $255,014

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3088 Zach Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3088 Zach Ave is moderate, ranking above 61% of the US, with a 0.2% annual chance of 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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