404 Arbor Lake Dr, Crestview, FL 32536 Property Records

Okaloosa County property record for 404 Arbor Lake Dr, Crestview, FL 32536

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,755 sqft · built 2012
Lot Size	0.04 acres (1,760 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Mar 2020)
Tax Bill	$3,208 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-001-046-1651-1`

Property Details

APN / Parcel Number

Primary APN	`C56-001-046-1651-1`
Alternative APN	`08-3N-23-1102-000B-0110`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,755 sqft Heated Area
Gross Area	2,173 sqft
1st Floor Area	725 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	1,760 sqft (0.04 acres)
Garage Type	Finished
Garage Area	280 sqft
Porch	Open Porch
Porch Area	58 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	404 ARBOR LAKE DR
City	CRESTVIEW
State	FL
Zip	32536-1908
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	ARBOR LAKE PH II LOT 11 BLK B
Legal Range	23
Legal Township	03N
Legal Section	08
Legal Subdivision	ARBOR LAKE PH 2
Legal Phase	2
Legal Block	B
Legal Lot Number	11
Jurisdiction	OKALOOSA FL
Township / Civil Division	CRESTVIEW
Census Block Group	2
Census Block	2005
Census Tract	20500

Owner

404 Arbor Lake Dr, a townhouse, is owned by two individuals who bought it in March 2020.

Source: Okaloosa County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	11417 BRADFORD CT, DAPHNE, AL 36526-6542
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2020 · Amount on File
Deed Sale	Mar 9, 2020 · Amount on File
Prior Sale	Nov 20, 2013 · Amount on File
Deed Document Number	3343430
Deed Book / Page	3448 / 4348
Record Updated	Jun 8, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 9, 2020
Property Address	404 ARBOR LAKE DR, CRESTVIEW, FL 32536-1908
Document Number	0034484348
Book / Page	003448 / 004348
Instrument Date	Feb 26, 2020
Instrument	3343430
Transaction Type	Transfer
Record Updated	May 20, 2020
Title Company	SURETY LAND TITLE/FL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2026 W 550 N WEST POINT UT 840158153, WEST POINT, UT 84015-8153

Mortgage

Document Number	34484350
Date	Mar 9, 2020
Book Page	003448/004350
Instrument	3343431

Lender

Name	BANCORPSOUTH
Type	Bank
Address	TUPELO, MS 38803-3556

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 8, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 404 Arbor Lake Dr was $3,208.

Source: Okaloosa County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Municipality	Crestview City
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,208.00	$213,929 Land $15,000 Building $198,929	$213,929 Land $15,000 Building $198,929
2023	$2,834.00 (+14.55%)	$201,006 (+24.94%) Land $15,000 Building $186,006	$201,006 (+24.94%) Land $15,000 Building $186,006
2022	$2,474.00	$160,880 Land $10,000 Building $150,880	$160,880 Land $10,000 Building $150,880

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

Flood

FEMA maps place 404 Arbor Lake Dr 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	3 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 404 Arbor Lake Dr is moderate, ranking above 45% of the US, with a 0.08% annual chance of 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	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CRESTVIEW, CITY OF WATER DEPT. serves 34,789 people · EPA ID FL1460182
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	1 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	2 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 288 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20