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3102 Border Creek Rd, Crestview, FL 32539 Property Records

Okaloosa County property record for 3102 Border Creek Rd, Crestview, FL 32539

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,250 sqft · built 2021
Lot Size0.253 acres (11,001 sqft)
OwnerIndividual Name on Record
Last Sale$285,000 (Feb 2021)
Tax Bill$3,136 (2025)
Deeds & MortgagesFeb 2021 Sale & Mortgage
Apr 2020 Sale & Construction Loan
+ 1 more
Flood ZoneZone X (minimal risk)
APNC56-000-599-1123-0

Property Details

APN / Parcel Number

Primary APNC56-000-599-1123-0
Alternative APNs
  • 33-4N-23-1001-000F-0220
  • 23N4331001000F0220

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,250 sqft Living Area
Gross Area3,406 sqft
1st Floor Area2,250 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialWood
Lot Area11,001 sqft (0.253 acres)
Garage TypeAttached
Garage Area721 sqft
PorchFinished/Open Porch
Porch Area375 sqft
Patio Area60 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address3102 BORDER CREEK RD
CityCRESTVIEW
StateFL
Zip32539-9060
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBROOKE ESTATES PH II LOT 22 BLK F
Legal Range23W
Legal Township04N
Legal Section33
Legal SubdivisionBROOKE ESTATES
Legal Phase2
Legal BlockF
Legal Lot Number22
JurisdictionOKALOOSA FL
Township / Civil DivisionCRESTVIEW
Census Block Group1
Census Block1007
Census Tract20303

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address3102 BORDER CREEK RD, CRESTVIEW, FL 32539-9060
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 9, 2021Warranty Deed, Subdivision Related Transfer · VA Mortgage
BEACH COMMUNITY MORTGAGE SERVICES I
Apr 27, 2020Warranty Deed, Construction Loan · Construction Mortgage
AMERIS BANK
Nov 1, 2019Grant Deed, Mortgage · Line of Credit
FIRST BK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 9, 2021 · Amount on Record
Deed SaleFeb 9, 2021 · Amount on Record
Prior SaleApr 27, 2020 · Amount on Record
Deed Document Number20213428595
Deed Book / Page3524 / 1951
Prior Transfer DateApr 24, 2020
Prior Transfer Doc0034582510
Record UpdatedJun 8, 2026

February 2021: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateFeb 9, 2021
Property Address3102 BORDER CREEK RD, CRESTVIEW, FL 32539-9060
Document Number0035241951
Book / Page3524 / 1951
Map ReferenceMB 22 PG 46
Instrument DateFeb 5, 2021
Instrument3428595
Transaction TypeSubdivision Related Transfer
Record UpdatedApr 21, 2022
Title CompanyMEAD LAW AND TITLE, MEAD LAW & TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,995.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address105 AUBURN RD, 105, FORT WALTON BEACH, FL 32547-2247

Transferred To (Grantee/Buyer)

NameVerified Name
Address3102 BORDER CREEK RD, CRESTVIEW, FL 32539-9060

Mortgage

Document Number0035241953
DateFeb 9, 2021
Instrument3524/1953
Lender
NameBEACH COMMUNITY MORTGAGE SERVICES I
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2051

April 2020: Warranty Deed, Construction Loan

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateApr 27, 2020
Property Address3102 BORDER CREEK RD, CRESTVIEW, FL 32539-9060
Document Number0034582510
Book / Page3458 / 2510
Map ReferenceMB 22 PG 46
Instrument DateApr 24, 2020
Instrument3354278
Transaction TypeConstruction Loan
Record UpdatedApr 21, 2022
Title CompanyMEAD LAW & TITLE

Transaction

AmountAmount Recorded
Tax$245.00
Amount AccuracyRounded by County

Transferred From (Grantor/Seller)

NameVerified Name
Address105 AUBURN RD, 105, FORT WALTON BEACH, FL 32547-2247

Transferred To (Grantee/Buyer)

NameVerified Name
Address105 AUBURN RD, FORT WALTON BEACH, FL 32547-2247

Mortgage

Document Number0034582512
DateApr 27, 2020
Instrument3458/2512
Lender
NameAMERIS BANK
TypeBank
Agreement
TypeConstruction Mortgage
AmountAmount Recorded

November 2019: Grant Deed, Mortgage

Document TypeGrant Deed
JurisdictionOKALOOSA FL
Recording DateNov 1, 2019
Property Address3102 BORDER CREEK RD, CRESTVIEW, FL 32539-9060
Document Number0034264381
Book / Page003426 / 004381
Instrument DateOct 31, 2019
Instrument3315451
Transaction TypeMortgage
Record UpdatedNov 18, 2019
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3102 BORDER CREEK RD CRESTVIEW FL 32539, CRESTVIEW, FL 32539

Mortgage

Document Number34264381
DateNov 1, 2019
Book Page003426/004381
Instrument3315451
Lender
NameFIRST BK
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,136.00 (-7.74%)$316,528 (-7.37%) Land $38,922 Building $277,606$316,528 (-7.37%) Land $38,922 Building $277,606
2023$3,399.00 (+5.46%)$341,716 (+6.68%) Land $33,068 Building $308,648$341,716 (+6.68%) Land $33,068 Building $308,648
2022$3,223.00$320,317 Land $30,905 Building $289,412$320,317 Land $30,905 Building $289,412

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 12 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies12 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.07% annual chance
ExposureDirect
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 SystemAUBURN WATER SYSTEM
public/private · serves 22,903 people · EPA ID FL1460035
Water SourceGroundwater
Last State InspectionJun 2024
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 251 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
LiveOak Fiber
Fiber		5,000 / 5,000
AT&T
Fiber · Fixed Wireless		5,000 / 5,000
Cox Communications
Cable		2,000 / 35
Verizon
Fixed Wireless		300 / 20

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