3089 Zach Ave, Crestview, FL 32536 Property Records

Okaloosa County property record for 3089 Zach Ave, Crestview, FL 32536

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,014 sqft · built 2006
Lot Size	0.339 acres (14,786 sqft)
Owner	2 Individual Names on File
Last Sale	$197,500 (Feb 2017)
Tax Bill	$1,671 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-598-8213-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-598-8213-4`
Alternative APNs	`15-4N-23-1000-000E-0170` `23N4151000000E0170`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,014 sqft Living Area
Gross Area	2,879 sqft
1st Floor Area	2,014 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	14,786 sqft (0.339 acres)
Garage Type	Attached
Garage Area	506 sqft
Porch	Finished/Open Porch
Porch Area	249 sqft
Patio Area	110 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3089 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 17 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	17
Jurisdiction	OKALOOSA FL
Township / Civil Division	CRESTVIEW
Census Block Group	1
Census Block	1001
Census Tract	20304

Owner

3089 Zach Ave is owned and occupied by two individuals who bought it in February 2017.

Source: Okaloosa County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3089 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 30, 2022	Deed of Trust, Mortgage · Line of Credit SYNOVUS BANK
Dec 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage EGLIN FCU
Feb 14, 2017	Warranty Deed, Transfer · Conventional Mortgage CENTENNIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2017 · Amount on File
Deed Sale	Feb 14, 2017 · Amount on File
Prior Sale	Dec 16, 2005 · Amount on File
Deed Document Number	20173117697
Deed Book / Page	3287 / 1788
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	3089 ZACH AVE, CRESTVIEW, FL 32536-7214
Transaction Type	Mortgage
Record Updated	Jul 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3089 ZACH AVE, CRESTVIEW, FL 32536-7214

Mortgage

Document Number	0036301517
Date	Jun 30, 2022
Book Page	3630/1517
Instrument	3561145

Lender

Name	SYNOVUS BANK
Type	Bank
Address	COLUMBUS, GA 31901

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	3089 ZACH AVE, CRESTVIEW, FL 32536-7214
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035133712
Date	Dec 22, 2020
Book Page	3513/3712
Instrument	3416673

Lender

Name	EGLIN FCU
Type	Credit Union
Address	FORT WALTON BEACH, FL 32547

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 14, 2017
Property Address	3089 ZACH AVE, CRESTVIEW, FL 32536-7214
Document Number	0032871788
Book / Page	3287 / 1788
Map Reference	MB22 PG15-18
Instrument Date	Feb 9, 2017
Instrument	3117697
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	OLD SOUTH LAND TITLE CO

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	406 MONETTE AVE, 406, NICEVILLE, FL 32578-1020

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3089 ZACH AVE, CRESTVIEW, FL 32536-7214

Mortgage

Document Number	0003117698
Date	Feb 14, 2017
Instrument	3117698

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3089 Zach Ave was $1,671 with a homeowner's exemption.

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	$1,671.00 Homeowner's exemption	$198,738	$303,383 Land $26,411 Building $276,972
2023	$1,569.00 (+2.55%) Homeowner's exemption	$187,512 (+3%)	$288,071 (+8.58%) Land $22,439 Building $265,632
2022	$1,530.00 Homeowner's exemption	$182,050	$265,312 Land $20,971 Building $244,341

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

Flood

FEMA maps place 3089 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 3089 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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