3104 Border Creek Rd, Crestview, FL 32539 Property Records

Okaloosa County property record for 3104 Border Creek Rd, Crestview, FL 32539

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,482 sqft · built 2014
Lot Size	0.381 acres (16,580 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (May 2022)
Tax Bill	$2,764 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-599-1124-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-599-1124-8`
Alternative APNs	`33-4N-23-1001-000F-0230` `23N4331001000F0230`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,482 sqft Living Area
Gross Area	3,163 sqft
1st Floor Area	1,134 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	16,580 sqft (0.381 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Finished/Open Porch
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3104 BORDER CREEK RD
City	CRESTVIEW
State	FL
Zip	32539-9060
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BROOKE ESTATES PH II LOT 23 BLK F
Legal Range	23W
Legal Township	04N
Legal Section	33
Legal Subdivision	BROOKE ESTATES
Legal Phase	2
Legal Block	F
Legal Lot Number	23
Jurisdiction	OKALOOSA FL
Township / Civil Division	CRESTVIEW
Census Block Group	1
Census Block	1007
Census Tract	20303

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	3104 BORDER CREEK RD, CRESTVIEW, FL 32539-9060
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2022 · Amount on Record
Deed Sale	May 10, 2022 · Amount on Record
Prior Sale	Sep 18, 2014 · Amount on Record
Deed Document Number	20223548950
Deed Book / Page	3621 / 392
Prior Transfer Date	Apr 16, 2014
Prior Transfer Doc	0031441394
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 10, 2022
Property Address	3104 BORDER CREEK RD, CRESTVIEW, FL 32539-9060
Document Number	0036210392
Book / Page	3621 / 392
Map Reference	MB 22 PG 46
Instrument Date	Apr 29, 2022
Instrument	3548950
Transaction Type	Transfer
Record Updated	Jun 13, 2022
Title Company	OLD SOUTH LAND TITLE, OLD SOUTH LAND TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,695.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5280 SA JONES RD, 5280, MILTON, FL 32583-9407

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3104 BORDER CREEK RD, CRESTVIEW, FL 32539-9060

Mortgage

Document Number	0003621394
Date	May 10, 2022
Instrument	3621/394

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

Tax Assessment & Valuation

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	$2,764.00 (-18.8%) Homeowner's exemption	$313,590 (-8.37%) Land $38,922 Building $274,668	$313,590 (-8.37%) Land $38,922 Building $274,668
2023	$3,404.00 (+108.58%)	$342,235 (+73.2%) Land $33,068 Building $309,167	$342,235 (+9.54%) Land $33,068 Building $309,167
2022	$1,632.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$197,594	$312,433 Land $30,905 Building $281,528

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 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 Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.07% 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 251 locations within half a mile, as of December 31, 2025

Provider	Max 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