424 Shoal River Dr, Crestview, FL 32539 Property Records

Okaloosa County property record for 424 Shoal River Dr, Crestview, FL 32539

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,357 sqft · built 2018
Lot Size	0.311 acres (13,574 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (May 2023)
Tax Bill	$3,498 (2025)
Deeds & Mortgages	Jul 2026 Sale May 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-592-3407-0`

Property Details

APN / Parcel Number

Primary APN	`C56-000-592-3407-0`
Alternative APN	`05-2N-23-221A-000B-0830`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,357 sqft Heated Area
Gross Area	3,119 sqft
1st Floor Area	2,357 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	13,574 sqft (0.311 acres)
Garage Type	Finished
Garage Area	552 sqft
Porch	Open Porch
Porch Area	40 sqft
Patio Area	170 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	424 SHOAL RIVER DR
City	CRESTVIEW
State	FL
Zip	32539-8372
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERSIDE NORTH LOT 83 BLK B
Legal Range	23
Legal Township	02N
Legal Section	05
Legal Subdivision	RIVERSIDE NORTH
Legal Block	B
Legal Lot Number	83
Jurisdiction	OKALOOSA FL
Township / Civil Division	CRESTVIEW
Census Block Group	1
Census Block	1028
Census Tract	20702

Owner

424 Shoal River Dr is owned and occupied by an individual who bought it in May 2023.

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

Owner of Record	Individual Name on File
Mailing Address	424 SHOAL RIVER DR, CRESTVIEW, FL 32539-8372
Occupancy	Owner Occupied
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

Date	Document
Jul 28, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
May 4, 2023	Warranty Deed, Transfer · VA Mortgage NEW AMERICAN FUNDING
Jul 20, 2020	Warranty Deed, Transfer · VA Mortgage UNIVERSITY LNDG
Sep 9, 2019	Grant Deed, Subdivision Related Transfer SHEFFIELD AND BOATRIGHT TITLE SV, SHEFFIELD & BOATRIGHT TITLE SE
Sep 9, 2019	Grant Deed, Transfer SHEFFIELD AND BOATRIGHT TITLE SV, SHEFFIELD & BOATRIGHT TITLE SV
Jan 18, 2018	Warranty Deed, Transfer · VA Mortgage MORTGAGE 1 AT SUBURBAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2023 · Amount on File
Deed Sale	May 4, 2023 · Amount on File
Prior Sale	Jul 20, 2020 · Amount on File
Deed Document Number	3621607
Deed Book / Page	3673 / 2933
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 28, 2026
Property Address	424 SHOAL RIVER DR, CRESTVIEW, FL 32539-8372
Document Number	0003830154
Instrument Date	Jul 27, 2026
Instrument	20263830154
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 SHOAL RIVER DR, CRESTVIEW, FL 32539-8372

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 4, 2023
Property Address	424 SHOAL RIVER DR, CRESTVIEW, FL 32539-8372
Document Number	0036732933
Book / Page	3673 / 2933
Map Reference	MB 10 PG 26
Instrument Date	May 2, 2023
Instrument	3621607
Transaction Type	Transfer
Record Updated	May 29, 2023
Title Company	KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SLN INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	766 HUNTERS RUN DR, BROOKVILLE, OH 45309

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 SHOAL RIVER DR, CRESTVIEW, FL 32539-8372

Mortgage

Document Number	0036732935
Date	May 4, 2023
Instrument	3673/2935

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 20, 2020
Property Address	424 SHOAL RIVER DR, CRESTVIEW, FL 32539-8372
Document Number	0034763657
Book / Page	003476 / 003657
Instrument Date	Jul 17, 2020
Instrument	3374600
Transaction Type	Transfer
Record Updated	Aug 25, 2020
Title Company	KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SOLUTIONS I

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,230.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 SHOAL RIVER DR CRESTVIEW FL 325398372, CRESTVIEW, FL 32539-8372

Mortgage

Document Number	34763659
Date	Jul 20, 2020
Book Page	003476/003659
Instrument	3374601

Lender

Name	UNIVERSITY LNDG
Address	SOUTHFIELD, MI 48034

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 19, 2050

September 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 9, 2019
Property Address	424 SHOAL RIVER DR, CRESTVIEW, FL 32539-8372
Document Number	0034174185
Book / Page	003417 / 004185
Instrument Date	Sep 6, 2019
Instrument	3303263
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 28, 2019
Title Company	SHEFFIELD AND BOATRIGHT TITLE SV, SHEFFIELD & BOATRIGHT TITLE SE

Transaction

Amount	Amount on Record
Tax	$25.20
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2804 PINNACLE POINT DR CRESTVIEW FL 325395714, CRESTVIEW, FL 32539-5714

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 9, 2019
Property Address	424 SHOAL RIVER DR, CRESTVIEW, FL 32539-8372
Document Number	0034174667
Book / Page	003417 / 004667
Instrument Date	Sep 4, 2019
Instrument	3303384
Transaction Type	Transfer
Record Updated	Oct 28, 2019
Title Company	SHEFFIELD AND BOATRIGHT TITLE SV, SHEFFIELD & BOATRIGHT TITLE SV

Transaction

Amount	Amount on Record
Tax	$32.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	424 SHOAL RIVER DR CRESTVIEW FL 325398372, CRESTVIEW, FL 32539-8372

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 18, 2018
Property Address	424 SHOAL RIVER DR, CRESTVIEW, FL 32539-8372
Document Number	0033334201
Book / Page	003333 / 004201
Instrument Date	Jan 10, 2018
Instrument	3183351
Transaction Type	Transfer
Record Updated	Jan 30, 2018
Title Company	MAIN STREET LAND TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$12.98
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	424 SHOAL RIVER DR CRESTVIEW FL 325398372, CRESTVIEW, FL 32539-8372

Mortgage

Document Number	33334203
Date	Jan 18, 2018
Book Page	003333/004203
Instrument	3183352

Lender

Name	MORTGAGE 1 AT SUBURBAN
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 17, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 424 Shoal River Dr was $3,498.

Source: Okaloosa County assessment roll, as of July 1, 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	$3,498.00	$354,565 Land $47,080 Building $307,485	$354,565 Land $47,080 Building $307,485
2023	$3,538.00 (+7.44%)	$379,969 (+8.09%) Land $40,000 Building $339,969	$379,969 (+8.09%) Land $40,000 Building $339,969
2022	$3,293.00	$351,539 Land $32,736 Building $318,803	$351,539 Land $32,736 Building $318,803

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

Flood

FEMA maps place 424 Shoal River Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 424 Shoal River Dr is moderate, ranking above 46% 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 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

Nearby Properties on Shoal River Dr

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