4086 Happy Trails Rd, Crestview, FL 32539 Property Records

Okaloosa County property record for 4086 Happy Trails Rd, Crestview, FL 32539

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,027 sqft · built 2017
Lot Size	0.589 acres (25,641 sqft)
Owner	2 Individual Names on Record
Last Sale	$251,900 (Dec 2017)
Tax Bill	$2,019 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-599-0792-3`

Property Details

APN / Parcel Number

Primary APN	`C56-000-599-0792-3`
Alternative APNs	`28-4N-22-1200-000C-0040` `22N4281200000C0040`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,027 sqft Living Area
Gross Area	3,219 sqft
1st Floor Area	2,027 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	25,641 sqft (0.589 acres)
Garage Type	Attached
Garage Area	502 sqft
Porch	Finished/Open Porch
Porch Area	690 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4086 HAPPY TRAILS RD
City	CRESTVIEW
State	FL
Zip	32539-7145
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRIDLE WOOD EST PH I LOT 4 BLK C
Legal Range	22W
Legal Township	04N
Legal Section	28
Legal Subdivision	BRIDLE WOOD EST
Legal Phase	1
Legal Block	C
Legal Lot Number	4
Jurisdiction	OKALOOSA FL
Township / Civil Division	CRESTVIEW
Census Block Group	2
Census Block	2007
Census Tract	20305

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	4086 HAPPY TRAILS RD, CRESTVIEW, FL 32539-7145
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2026	Deed of Trust, Mortgage · Line of Credit EGLIN FEDERAL CREDIT UNION
Jul 22, 2020	Deed of Trust, Mortgage · VA Mortgage FIRST COMMUNITY MORTGAGE INC
Dec 6, 2017	Warranty Deed, Transfer · Line of Credit MORTGAGE ONE/SOUTH
Apr 19, 2017	Loan Modification, Mortgage · Line of Credit COASTAL BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2017 · Amount on Record
Deed Sale	Dec 6, 2017 · Amount on Record
Deed Document Number	20173176089
Deed Book / Page	3328 / 3311
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Recording Date	Aug 7, 2026
Property Address	4086 HAPPY TRAILS RD, CRESTVIEW, FL 32539-7145
Document Number	0003831911
Instrument Date	Jul 30, 2026
Instrument	20263831911
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4086 HAPPY TRAILS RD, CRESTVIEW, FL 32539-7145

Mortgage

Document Number	0003831911,
Date	Aug 7, 2026
Instrument	20263831911

Lender

Name	EGLIN FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.43%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4086 HAPPY TRAILS RD, CRESTVIEW, FL 32539-7145
Transaction Type	Mortgage
Record Updated	Mar 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4086 HAPPY TRAILS RD, CRESTVIEW, FL 32539-7145

Mortgage

Document Number	0034771826
Date	Jul 22, 2020
Book Page	3477/1826
Instrument	3375307

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company
Address	MURFREESBORO, TN 37129

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 6, 2017
Property Address	4086 HAPPY TRAILS RD, CRESTVIEW, FL 32539-7145
Document Number	0033283311
Book / Page	003328 / 003311
Instrument Date	Nov 30, 2017
Instrument	3176089
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	MAIN STREET LAND TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,763.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4086 HAPPY TRAILS RD CRESTVIEW FL 325397145, CRESTVIEW, FL 32539-7145

Mortgage

Document Number	33283313
Date	Dec 6, 2017
Book Page	003328/003313
Instrument	3176090

Lender

Name	MORTGAGE ONE/SOUTH
Type	Mortgage Company
Address	FORT WALTON BEACH, FL 32548

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 5, 2047

Interest

Rate Type	Adjustable Rate

April 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKALOOSA FL
Property Address	4086 HAPPY TRAILS RD, CRESTVIEW, FL 32539-7145
Document Number	0032954202
Instrument Date	Apr 19, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6072 HIGHWAY 85 N CRESTVIEW FL 325367152, CRESTVIEW, FL 32536-7152

Mortgage

Document Number	0032954202
Date	Apr 19, 2017
Book Page	003295/004202
Instrument	3129700

Lender

Name	COASTAL BK&TR
Type	Bank
Address	COLUMBUS, GA 31901

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$2,019.00 (+5.32%) Homeowner's exemption	$237,119 (+5.99%)	$379,537 (+3.94%) Land $31,859 Building $347,678
2023	$1,917.00 (+2.24%) Homeowner's exemption	$223,724 (+3%)	$365,162 (+8.39%) Land $27,067 Building $338,095
2022	$1,875.00 Homeowner's exemption	$217,208	$336,904 Land $25,296 Building $311,608

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 19 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	19 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 59% of the US · lower than 67% 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 76 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Wildstar Networks.

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