3209 Cottonwood Dr, Crestview, FL 32539 Property Records

Okaloosa County property record for 3209 Cottonwood Dr, Crestview, FL 32539

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,350 sqft · built 2021
Lot Size	1.74 acres (75,794 sqft)
Owner	2 Individual Names on Record
Last Sale	$97,000 (Nov 2011)
Tax Bill	$1,481 (2025)
Deeds & Mortgages	Nov 2022 Transfer Oct 2020 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-596-8912-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-596-8912-5`
Alternative APNs	`26-4N-23-0000-0007-0020` `23N426000000070020`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,350 sqft Living Area
Gross Area	1,836 sqft
1st Floor Area	1,350 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Mobile Home
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	75,794 sqft (1.74 acres)
Lot Width	275 ft Width
Porch	Finished/Open Porch
Porch Area	160 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3209 COTTONWOOD DR
City	CRESTVIEW
State	FL
Zip	32539-7195
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG 2297.02 FT S OF NW COR SEC E 275.28 FT S 275.28 FT W 275.28 FT N 275.28 FT TO POB 961-972 AND ADJACENT 20 FT OF VACATED R/W LYING W OF SAID PARCEL
Legal Range	23W
Legal Township	04N
Legal Section	26
Legal Block	7
Legal Lot Number	20
Jurisdiction	OKALOOSA FL
Township / Civil Division	CRESTVIEW
Census Block Group	1
Census Block	1005
Census Tract	20303

Owner

Source: Okaloosa County records, as of March 6, 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	3209 COTTONWOOD DR, CRESTVIEW, FL 32539-7195
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2022	Intrafamily Transfer, Transfer
Oct 7, 2020	Deed of Trust, Mortgage · Construction Mortgage CCB COMMUNITY BANK
Jun 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2011 · Amount on Record
Deed Sale	Nov 18, 2011 · Amount on Record
Deed Document Number	20112741600
Deed Book / Page	3010 / 843
Last Transfer Date	Nov 29, 2022
Transfer Doc	0036524782
Record Updated	Jun 8, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Nov 30, 2022
Property Address	3209 COTTONWOOD DR, CRESTVIEW, FL 32539-7195
Document Number	0036524782
Book / Page	3652 / 4782
Instrument Date	Nov 29, 2022
Instrument	3593347
Transaction Type	Transfer
Record Updated	Dec 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3209 COTTONWOOD DR, CRESTVIEW, FL 32539-7195

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3209 COTTONWOOD DR, CRESTVIEW, FL 32539-7195

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	3209 COTTONWOOD DR, CRESTVIEW, FL 32539-7195
Transaction Type	Mortgage
Record Updated	Apr 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3209 COTTONWOOD DR, CRESTVIEW, FL 32539-7195

Mortgage

Document Number	0034971660
Date	Oct 7, 2020
Book Page	3497/1660
Instrument	3397049

Lender

Name	CCB COMMUNITY BANK
Type	Bank
Address	NICEVILLE, FL 32578

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	3209 COTTONWOOD DR, CRESTVIEW, FL 32539-7195
Transaction Type	Mortgage
Record Updated	Apr 21, 2022
Title Company	PT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035571181
Date	Jun 30, 2021
Book Page	3557/1181
Instrument	3468071

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

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	$1,481.00 (+6.85%) Homeowner's exemption Veteran's exemption	$183,853 (+5.99%)	$241,181 (+5.71%) Land $37,913 Building $203,268
2023	$1,386.00 (+2.82%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$173,468 (+3%)	$228,152 (+7.65%) Land $32,211 Building $195,941
2022	$1,348.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$168,416	$211,929 Land $30,104 Building $181,825

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 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% 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 79 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	5,000 / 5,000
Cox Communications Cable	2,000 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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