3099 Zach Ave, Crestview, FL 32536 Property Records

Okaloosa County property record for 3099 Zach Ave, Crestview, FL 32536

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,814 sqft · built 2025
Lot Size	0.348 acres (15,152 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Feb 2025)
Tax Bill	$375 (2025)
Deeds & Mortgages	Apr 2025 Mortgage Feb 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-598-8205-0`

Property Details

APN / Parcel Number

Primary APN	`C56-000-598-8205-0`
Alternative APNs	`15-4N-23-1000-000E-0090` `23N4151000000E0090`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,814 sqft Living Area
Gross Area	2,498 sqft
1st Floor Area	1,814 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	15,152 sqft (0.348 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3099 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 9 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	9
Jurisdiction	OKALOOSA FL
Township / Civil Division	CRESTVIEW
Census Block Group	1
Census Block	1001
Census Tract	20304

Owner

3099 Zach Ave is owned and occupied by two individuals who bought it in February 2025.

Source: Okaloosa County records, as of December 31, 2025

Owner of Record	2 Individual Names on File
Mailing Address	3099 ZACH AVE, CRESTVIEW, FL 32536-7214
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Apr 7, 2025	Deed of Trust, Mortgage · FHA Mortgage CENTENNIAL BANK
Feb 17, 2025	Warranty Deed, Subdivision Related Transfer · FHA Mortgage CENTENNIAL BANK
Sep 6, 2024	Warranty Deed, Construction Loan MEAD LAW AND TITLE, MEAD LAW & TITLE
Feb 8, 2023	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2025 · Amount on File
Deed Sale	Feb 17, 2025 · Amount on File
Prior Sale	Sep 6, 2024 · Amount on File
Deed Document Number	20253737681
Prior Transfer Date	Jan 31, 2023
Prior Transfer Doc	0036612048
Record Updated	Sep 20, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	3099 ZACH AVE, CRESTVIEW, FL 32536-7214
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 ROSE MARIE LN SW, FORT WALTON BEACH, FL 32548-6624

Mortgage

Document Number	0003746819
Date	Apr 7, 2025
Instrument	3746819

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Mar 1, 2055

February 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 17, 2025
Property Address	3099 ZACH AVE, CRESTVIEW, FL 32536-7214
Document Number	0003737681
Map Reference	MB 22 PG 15-18
Instrument Date	Feb 14, 2025
Instrument	3737681
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 9, 2025
Title Company	MEAD LAW AND TITLE, MEAD LAW & TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 339, HOLT, FL 32564-0339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3099 ZACH AVE, CRESTVIEW, FL 32536-7214

Mortgage

Document Number	0003737682
Date	Feb 17, 2025
Instrument	3737682

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2055

September 2024: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 6, 2024
Property Address	3099 ZACH AVE, CRESTVIEW, FL 32536-7214
Document Number	0003709459
Map Reference	MB 22 PG 15
Instrument Date	Aug 30, 2024
Instrument	3709459
Transaction Type	Construction Loan
Record Updated	Dec 9, 2025
Title Company	MEAD LAW AND TITLE, MEAD LAW & TITLE

Transaction

Amount	Amount on Record
Tax	$289.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6101 BREWBAKER BLVD, MONTGOMERY, AL 36116-4270

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 339, HOLT, FL 32564-0339
Investor	Possibly a Property Investor

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 8, 2023
Property Address	3099 ZACH AVE, CRESTVIEW, FL 32536-7214
Document Number	0036612048
Book / Page	3661 / 2048
Map Reference	MB 22 PG 15
Instrument Date	Jan 31, 2023
Instrument	3605112
Transaction Type	Transfer
Record Updated	Dec 9, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	863 CORBIN GAINEY RD, DEFUNIAK SPRINGS, FL 32435-8643

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1616 MOUNT MEIGS RD, MONTGOMERY, AL 36107-2114

Tax Assessment & Valuation

The 2025 property tax bill for 3099 Zach Ave was $375.

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	$375.00	$26,411 Land $26,411	$26,411 Land $26,411
2023	$230.00 (+5.5%)	$22,439 (+7%) Land $22,439	$22,439 (+7%) Land $22,439
2022	$218.00	$20,971 Land $20,971	$20,971 Land $20,971

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3099 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 3099 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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