420 Shoal River Dr, Crestview, FL 32539 Property Records

Okaloosa County property record for 420 Shoal River Dr, Crestview, FL 32539

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,347 sqft · built 2016
Lot Size	0.305 acres (13,264 sqft)
Owner	2 Individual Names on Record
Last Sale	$395,000 (Jan 2024)
Tax Bill	$124 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Sep 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-592-3406-2`

Property Details

APN / Parcel Number

Primary APN	`C56-000-592-3406-2`
Alternative APNs	`05-2N-23-221A-000B-0820` `23N205221A000B0820`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,347 sqft Living Area
Gross Area	3,333 sqft
1st Floor Area	2,347 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	13,264 sqft (0.305 acres)
Garage Type	Attached
Garage Area	562 sqft
Porch	Finished/Open Porch
Porch Area	40 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	420 SHOAL RIVER DR
City	CRESTVIEW
State	FL
Zip	32539-8372
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERSIDE NORTH LOT 82 BLK B
Legal Range	23W
Legal Township	02N
Legal Section	05
Legal Subdivision	RIVERSIDE NORTH
Legal Block	B
Legal Lot Number	82
Jurisdiction	OKALOOSA FL
Township / Civil Division	CRESTVIEW
Census Block Group	1
Census Block	1028
Census Tract	20702

Owner

Source: Okaloosa County records, as of December 31, 2025

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	170 FITZGERALD DR, TRAVIS AFB, CA 94535-1247
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2024	Warranty Deed, Transfer · VA Mortgage STOCKTON MORTGAGE CORP
Sep 21, 2021	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jul 29, 2020	Warranty Deed, Transfer · VA Mortgage BEACH COMMUNITY MORTGAGE SERVICES I
Sep 12, 2019	Grant Deed, Transfer SHEFFIELD AND BOATRIGHT TITLE SV, SHEFFIELD & BOATRIGHT TITLE SV
Apr 6, 2017	Warranty Deed, Transfer · VA Mortgage WR STARKEY MORTGAGE LLP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2024 · Amount on Record
Deed Sale	Jan 23, 2024 · Amount on Record
Prior Sale	Sep 21, 2021 · Amount on Record
Deed Document Number	20243667257
Prior Transfer Date	May 18, 2007
Prior Transfer Doc	0027852157
Record Updated	Jun 8, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 23, 2024
Property Address	420 SHOAL RIVER DR, CRESTVIEW, FL 32539-8372
Document Number	0003667257
Map Reference	MB 10 PG 26
Instrument Date	Jan 22, 2024
Instrument	3667257
Transaction Type	Transfer
Record Updated	Feb 15, 2024
Title Company	LEGACYHOUSE TITLE, LEGACYHOUSE TITLE FL

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9182 HEADWATERS AVE UNIT 208, 208, RIVERVIEW, FL 33578-5088

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	170 FITZGERALD DR, FAIRFIELD, CA 94535-1247

Mortgage

Document Number	0003667259
Date	Jan 23, 2024
Instrument	3667259

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 21, 2021
Property Address	420 SHOAL RIVER DR, CRESTVIEW, FL 32539-8372
Document Number	0035751445
Book / Page	3575 / 1445
Map Reference	MB 10 PG 26
Instrument Date	Sep 10, 2021
Instrument	3490311
Transaction Type	Transfer
Record Updated	Oct 8, 2021
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,653.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	119 CHIGGER VALLEY RD, 119, JACKSONVILLE, AR 72076-4262

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 SHOAL RIVER DR, CRESTVIEW, FL 32539-8372

Mortgage

Document Number	35751447
Date	Sep 21, 2021
Instrument	3575/1447

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 29, 2020
Property Address	420 SHOAL RIVER DR, CRESTVIEW, FL 32539-8372
Document Number	0034784217
Book / Page	3478 / 4217
Map Reference	MB 10 PG 26
Instrument Date	Jul 22, 2020
Instrument	3377080
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	OLD SOUTH LAND TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,219.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1319 LEICESTER DR, 1319, LA PLATA, MD 20646-3550

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 SHOAL RIVER DR, CRESTVIEW, FL 32539-8372

Mortgage

Document Number	0034784219
Date	Jul 29, 2020
Instrument	3478/4219

Lender

Name	BEACH COMMUNITY MORTGAGE SERVICES I
Type	Mortgage Company

Agreement

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

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 12, 2019
Property Address	420 SHOAL RIVER DR, CRESTVIEW, FL 32539-8372
Document Number	0034182540
Book / Page	003418 / 002540
Instrument Date	Sep 10, 2019
Instrument	3304193
Transaction Type	Transfer
Record Updated	Oct 10, 2019
Title Company	SHEFFIELD AND BOATRIGHT TITLE SV, SHEFFIELD & BOATRIGHT TITLE SV

Transaction

Amount	Amount Recorded
Tax	$44.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	420 SHOAL RIVER DR CRESTVIEW FL 325398372, CRESTVIEW, FL 32539-8372

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 6, 2017
Property Address	420 SHOAL RIVER DR, CRESTVIEW, FL 32539-8372
Document Number	0032942451
Book / Page	3294 / 2451
Map Reference	MB10 PG26
Instrument Date	Mar 31, 2017
Instrument	3127671
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4617 CHANAN DR, 4617, CRESTVIEW, FL 32539-4341

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 SHOAL RIVER DR, CRESTVIEW, FL 32539-8372

Mortgage

Document Number	0003127674
Date	Apr 6, 2017
Instrument	3127674

Lender

Name	WR STARKEY MORTGAGE LLP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2047

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	$124.00 (-96.71%)	$354,714 (-6.66%) Land $47,080 Building $307,634	$354,714 (-6.66%) Land $47,080 Building $307,634
2023	$3,768.00 (+6.8%)	$380,038 (+8.08%) Land $40,000 Building $340,038	$380,038 (+8.08%) Land $40,000 Building $340,038
2022	$3,528.00	$351,621 Land $32,736 Building $318,885	$351,621 Land $32,736 Building $318,885

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 31 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	31 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 46% of the US · lower than 82% 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	OKALOOSA COUNTY MID SYSTEM (CRESTVIEW) serves 7,593 people · EPA ID FL1464044
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	3 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 116 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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