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3097 Border Creek Rd, Crestview, FL 32539 Property Records

Okaloosa County property record for 3097 Border Creek Rd, Crestview, FL 32539 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,268 sqft · built 2009
Lot Size0.268 acres (11,662 sqft)
Owner2 Individual Names on File
Last Sale$219,900 (Sep 2018)
Tax Bill$1,701 (2025)
Deeds & MortgagesSep 2019 Mortgage
Sep 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNC56-000-599-1085-1

Property Details

APN / Parcel Number

Primary APNC56-000-599-1085-1
Alternative APNs
  • 33-4N-23-1001-000E-0160
  • 23N4331001000E0160

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,268 sqft Living Area
Gross Area3,124 sqft
1st Floor Area2,268 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2009
Effective Year BuiltEffective 2009
Exterior MaterialBrick
Roof TypeCathedral/Clerestory
Roof MaterialWood
Lot Area11,662 sqft (0.268 acres)
Garage TypeAttached
Garage Area440 sqft
PorchFlorida Room
Porch Area416 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address3097 BORDER CREEK RD
CityCRESTVIEW
StateFL
Zip32539-9029
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBROOKE ESTATES PH II LOT 16 BLK E
Legal Range23W
Legal Township04N
Legal Section33
Legal SubdivisionBROOKE ESTATES
Legal Phase2
Legal BlockE
Legal Lot Number16
JurisdictionOKALOOSA FL
Township / Civil DivisionCRESTVIEW
Census Block Group1
Census Block1012
Census Tract20303

Owner

Source: Okaloosa County records · APN C56-000-599-1085-1

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 Record2 Individual Names on File
Mailing Address3097 BORDER CREEK RD, CRESTVIEW, FL 32539-9029
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 12, 2019Deed of Trust, Mortgage · Conventional Mortgage
EGLIN FCU
Sep 05, 2018Warranty Deed, Transfer · Conventional Mortgage
CENTENNIAL BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 05, 2018 · Amount on Record
Deed SaleSep 05, 2018 · Amount on Record
Prior SaleJan 25, 2010 · Amount on Record
Deed Document Number20183230316
Deed Book / Page3366 / 380
Prior Transfer DateMar 13, 2009
Prior Transfer Doc0028801136
Record UpdatedJun 08, 2026

September 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address3097 BORDER CREEK RD, CRESTVIEW, FL 32539-9029
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0034184128
DateSep 12, 2019
Book Page3418/4128
Instrument3304569
Lender
NameEGLIN FCU
TypeCredit Union
AddressFORT WALTON BEACH, FL 32547
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueOct 01, 2034

September 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateSep 05, 2018
Property Address3097 BORDER CREEK RD, CRESTVIEW, FL 32539-9029
Document Number0033660380
Book / Page3366 / 0380
Map ReferenceMB22 PG46
Instrument DateSep 04, 2018
Instrument3230316
Transaction TypeTransfer
Record UpdatedJan 10, 2022
Title CompanyMOULTON LAND TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3097 BORDER CREEK RD, 3097, CRESTVIEW, FL 32539-9029

Transferred To (Grantee/Buyer)

NameVerified Name
Address203 TIFFOT CT, CRESTVIEW, FL 32539-7040

Mortgage

Document Number0003230317
DateSep 05, 2018
Instrument3230317
Lender
NameCENTENNIAL BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$1,701.00 (+6.45%) Homeowner's exemption$201,898 (+5.99%)$286,891 (-7.11%) Land $38,922 Building $247,969
2023$1,598.00 (+2.57%) Homeowner's exemption$190,493 (+3%)$308,848 (+8.37%) Land $33,068 Building $275,780
2022$1,558.00 Homeowner's exemption$184,945$284,991 Land $30,905 Building $254,086

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120910203031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 12 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies12 in force

Wildfire

Wildfire RiskModerate
above 45% of the US · above 15% of Florida
Wildfire LikelihoodAbout 1 in 1,351 per year
ExposureDirect
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, availability as of December 31, 2025 · Published October 2026 · based on 251 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
LiveOak FiberFiber5,000 / 5,000
AT&TFiber5,000 / 5,000
Cox CommunicationsCable2,000 / 35
VerizonFixed Wireless300 / 20
AT&TFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

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