3094 Zach Ave, Crestview, FL 32536 Property Records

Okaloosa County property record for 3094 Zach Ave, Crestview, FL 32536

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,900 sqft · built 2018
Lot Size	0.426 acres (18,575 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Aug 2026)
Tax Bill	$1,518 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-598-8200-1`

Property Details

APN / Parcel Number

Primary APN	`C56-000-598-8200-1`
Alternative APNs	`15-4N-23-1000-000E-0040` `23N4151000000E0040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,900 sqft Living Area
Gross Area	2,741 sqft
1st Floor Area	1,900 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	18,575 sqft (0.426 acres)
Garage Type	Attached
Garage Area	572 sqft
Porch	Finished/Open Porch
Porch Area	269 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3094 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 4 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	4
Jurisdiction	OKALOOSA FL
Township / Civil Division	CRESTVIEW
Census Block Group	1
Census Block	1001
Census Tract	20304

Owner

3094 Zach Ave is owned and occupied by an individual who bought it in August 2026.

Source: Okaloosa County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	3094 ZACH AVE, CRESTVIEW, FL 32536-7214
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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
Aug 7, 2026	Warranty Deed, Transfer · VA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Apr 26, 2018	Warranty Deed, Subdivision Related Transfer · VA Mortgage BANK OF ENGLAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2026 · Amount on File
Deed Sale	Aug 7, 2026 · Amount on File
Prior Sale	Aug 6, 2024 · Amount on File
Deed Document Number	20263832028
Prior Transfer Date	May 19, 2015
Prior Transfer Doc	0031991828
Record Updated	Sep 20, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 7, 2026
Property Address	3094 ZACH AVE, CRESTVIEW, FL 32536-7214
Document Number	0003832028
Instrument Date	Jul 28, 2026
Instrument	20263832028
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	ATTORNEYS TITLE AND CLOSING SERVICES, ATTORNEYS CLOSING & TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240,380.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3094 ZACH AVE, CRESTVIEW, FL 32536-7214

Mortgage

Document Number	0003832029,
Date	Aug 7, 2026
Instrument	20263832029

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 26, 2018
Property Address	3094 ZACH AVE, CRESTVIEW, FL 32536-7214
Document Number	0033471787
Book / Page	003347 / 001787
Instrument Date	Apr 23, 2018
Instrument	3203040
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2018
Title Company	MAIN STREET LAND TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,504.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3094 ZACH AVE CRESTVIEW FL 325367214, CRESTVIEW, FL 32536-7214

Mortgage

Document Number	33471789
Date	Apr 26, 2018
Book Page	003347/001789
Instrument	3203041

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 25, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3094 Zach Ave was $1,518.

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	$1,518.00	$202,789	$305,958 Land $26,411 Building $279,547
2023	$2,723.00 (+7.71%)	$289,898 (+8.61%) Land $22,439 Building $267,459	$289,898 (+8.61%) Land $22,439 Building $267,459
2022	$2,528.00	$266,909 Land $20,971 Building $245,938	$266,909 Land $20,971 Building $245,938

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

Flood

FEMA maps place 3094 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 3094 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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