Okaloosa County property record for 3538 Whisper Ln, Crestview, FL 32539
| Property Type | Vacant Land |
|---|---|
| Details | 2 bd · 1 ba · 924 sqft · built 1998 |
| Lot Size | 2.57 acres (111,949 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,600 (Jul 2015) |
| Tax Bill | $439 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Dec 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-594-4048-7 |
| Primary APN | C56-000-594-4048-7 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 924 sqft Living Area |
| 1st Floor Area | 924 sqft |
| Lot Area | 111,949 sqft (2.57 acres) |
|---|
| Street Address | 3538 WHISPER LN |
|---|---|
| City | CRESTVIEW |
| State | FL |
| Zip | 32539-5332 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | COM SE COR W1760 FT TO POB W250 FT N450 FT E250 FT S450 FT TO POB AS OR |
| Legal Range | 23W |
| Legal Township | 03N |
| Legal Section | 13 |
| Legal Block | 1 |
| Legal Lot Number | 2Z |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | CRESTVIEW |
| Census Block Group | 1 |
| Census Block | 1085 |
| Census Tract | 20306 |
3538 Whisper Ln, vacant land, is owned by an individual who acquired it in December 2023.
Source: Okaloosa County records, as of December 31, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 924 B ST, CRESTVIEW, FL 32536-5104 |
| Owner Type | Individual |
| Vesting | Unmarried Man |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 1, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROGERS |
| Dec 11, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 17, 2015 · Amount on File |
| Deed Sale | Jul 17, 2015 · Amount on File |
| Prior Sale | Mar 26, 2013 · Amount on File |
| Deed Document Number | 20153010356 |
| Deed Book / Page | 3207 / 4920 |
| Last Transfer Date | Dec 6, 2023 |
| Transfer Doc | 0003661325 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 1, 2026 |
| Property Address | 3538 WHISPER LN, CRESTVIEW, FL 32539-5332 |
| Document Number | 0003836540 |
| Instrument Date | Aug 28, 2026 |
| Instrument | 20263836540 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | MOULTON LAND TITLE INC, MOULTON LAND TITLE |
| Name | Verified Name |
|---|---|
| Address | 3538 WHISPER LN, CRESTVIEW, FL 32539-5332 |
| Document Number | 0003836540, |
|---|---|
| Date | Sep 1, 2026 |
| Instrument | 20263836540 |
| Name | ROGERS |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 10% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Dec 11, 2023 |
| Property Address | 3538 WHISPER LN, CRESTVIEW, FL 32539-5332 |
| Document Number | 0003661325 |
| Instrument Date | Dec 6, 2023 |
| Instrument | 3661325 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 933 RIDGEWOOD WAY, NICEVILLE, FL 32578-4246 |
| Name | Verified Name |
|---|---|
| Address | 924 B ST, CRESTVIEW, FL 32536-5104 |
The 2025 property tax bill for 3538 Whisper Ln was $439.
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $439.00 | $34,847 Land $34,847 | $34,847 Land $34,847 |
| 2023 | $392.00 (+3.98%) | $29,606 (+7%) Land $29,606 | $29,606 (+7%) Land $29,606 |
| 2022 | $377.00 | $27,669 Land $27,669 | $27,669 Land $27,669 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3538 Whisper Ln 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 | 1 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 risk around 3538 Whisper Ln is moderate, ranking above 61% of the US, with a 0.1% 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 | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
5G (outdoors only) and 4G LTE
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