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438 Ridge Lake Rd, Crestview, FL 32536 Property Records

Okaloosa County property record for 438 Ridge Lake Rd, Crestview, FL 32536

Property Summary

Property TypeSingle Family Home
Details3 bd · 4 ba · 2,490 sqft · built 1974
Lot Size5.61 acres (244,807 sqft)
OwnerIndividual Name on Record
Last Sale$400,000 (Feb 2022)
Tax Bill$3,275 (2025)
Deeds & MortgagesFeb 2022 Sale & Mortgage
Sep 2021 Sale
+ 4 more
Flood ZoneZone X (minimal risk)
APNC56-000-592-8404-2

Property Details

APN / Parcel Number

Primary APNC56-000-592-8404-2
Alternative APN
  • 06-3N-23-0000-0015-0000

Interior

Bedrooms3 Beds
Full Baths4 Baths
Stories2 Stories
Building Area2,490 sqft Heated Area
Gross Area4,044 sqft
1st Floor Area2,490 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1974
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialWood
Lot Area244,807 sqft
Lot Width580 ft Width
Garage TypeFinished
Garage Area800 sqft
Pool HousePool House
PorchOpen Porch
Porch Area754 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address438 RIDGE LAKE RD
CityCRESTVIEW
StateFL
Zip32536-1512
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCOM NE COR OF SE1/4 OF SW1/4 S 380.11FT S 80 DEG W 639.85FT TO POB CONT S 80 DEG W 71.88FT N 85 DEG W 138.13FT S 363.31FT TO
Legal Range23
Legal Township03N
Legal Section06
JurisdictionOKALOOSA FL
Township / Civil DivisionCRESTVIEW
Census Block Group6
Census Block6017
Census Tract20500

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address438 RIDGE LAKE RD, CRESTVIEW, FL 32536-1512
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 24, 2022Warranty Deed, Transfer · Conventional Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 3, 2021Warranty Deed, Transfer
CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC
Sep 3, 2021Warranty Deed, Transfer
KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SLN INC
Aug 23, 2021Warranty Deed, Transfer
NOT AVAILABLE, FOUNDATION T&E SERIES LLC
Aug 18, 2021Warranty Deed, Transfer
CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC
Feb 24, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 24, 2022 · Amount on Record
Deed SaleFeb 24, 2022 · Amount on Record
Prior SaleSep 3, 2021 · Amount on Record
Deed Document Number3529323
Deed Book / Page3606 / 1241
Record UpdatedJun 8, 2026

February 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateFeb 24, 2022
Property Address438 RIDGE LAKE RD, CRESTVIEW, FL 32536-1512
Document Number0036061241
Book / Page3606 / 1241
Instrument DateFeb 18, 2022
Instrument3529323
Transaction TypeTransfer
Record UpdatedMar 23, 2022
Title CompanyMEAD LAW AND TITLE, MEAD LAW AND TITLE PLLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,800.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address30 FIELDSTONE WAY, 30, SOUTH LONDONDERRY, VT 05155-9309

Transferred To (Grantee/Buyer)

NameVerified Name
Address2550 MOUNTAIN PINE LN, COLORADO SPRINGS, CO 80921-2009

Mortgage

Document Number0036061243
DateFeb 24, 2022
Instrument3606/1243
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2052

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateSep 3, 2021
Property Address438 RIDGE LAKE RD, CRESTVIEW, FL 32536-1512
Document Number0035711938
Book / Page3571 / 1938
Instrument DateSep 2, 2021
Instrument3485656
Transaction TypeTransfer
Record UpdatedSep 24, 2021
Title CompanyCHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC

Transaction

AmountAmount Recorded
Tax$315.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address30 FIELDSTONE WAY, 30, SOUTH LONDONDERRY, VT 05155-9309

Transferred To (Grantee/Buyer)

NameVerified Name
AddressRIDGE LAKE RD, CRESTVIEW, FL 32536

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateSep 3, 2021
Property Address438 RIDGE LAKE RD, CRESTVIEW, FL 32536-1512
Document Number0035712839
Book / Page3571 / 2839
Instrument DateAug 26, 2021
Instrument3485906
Transaction TypeTransfer
Record UpdatedSep 24, 2021
Title CompanyKNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SLN INC

Transaction

AmountAmount Recorded
Tax$420.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address30 FIELDSTONE PATH, 30, HARTFORD, CT 06111-4631

Transferred To (Grantee/Buyer)

NameVerified Name
Address1058 TALLOKAS RD, CRESTVIEW, FL 32536-5554

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateAug 23, 2021
Property Address438 RIDGE LAKE RD, CRESTVIEW, FL 32536-1512
Document Number0035683994
Book / Page3568 / 3994
Instrument DateAug 19, 2021
Instrument3482440
Transaction TypeTransfer
Record UpdatedSep 16, 2021
Title CompanyNOT AVAILABLE, FOUNDATION T&E SERIES LLC

Transaction

AmountAmount Recorded
Tax$420.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address428 RIDGE LAKE RD, 428, CRESTVIEW, FL 32536-1512

Transferred To (Grantee/Buyer)

NameVerified Name
Address2600 BUTTERFLY ALY, CRESTVIEW, FL 32536-4388

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateAug 18, 2021
Property Address438 RIDGE LAKE RD, CRESTVIEW, FL 32536-1512
Document Number0035673669
Book / Page3567 / 3669
Instrument DateAug 11, 2021
Instrument3481084
Transaction TypeTransfer
Record UpdatedSep 1, 2021
Title CompanyCHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC

Transaction

AmountAmount Recorded
Tax$455.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address30 FIELDSTONE WAY, 30, SOUTH LONDONDERRY, VT 05155-9309

Transferred To (Grantee/Buyer)

NameVerified Name
Address5808 MOSLEY LN S, CRESTVIEW, FL 32539-5605

February 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOKALOOSA FL
Recording DateFeb 24, 2017
Property Address438 RIDGE LAKE RD, CRESTVIEW, FL 32536-1512
Document Number0032882502
Book / Page003288 / 002502
Instrument DateFeb 23, 2017
Instrument3119396
Transaction TypeTransfer
Record UpdatedApr 10, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
AddressPO BOX 1083 CRESTVIEW FL 325361083, CRESTVIEW, FL 32536-1083

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,275.00 (-3.65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$372,324 (-2.68%) Land $108,235 Building $264,089$372,324 (-2.68%) Land $108,235 Building $264,089
2023$3,399.00 (-4.84%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$382,581 (+7.41%) Land $91,958 Building $290,623$382,581 (+7.41%) Land $91,958 Building $290,623
2022$3,572.00$356,173 Land $81,849 Building $274,324$356,173 Land $81,849 Building $274,324

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies4 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 RiskModerate
above 52% of the US · lower than 77% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 SystemCRESTVIEW, CITY OF WATER DEPT.
serves 34,789 people · EPA ID FL1460182
Water SourceGroundwater
Last State InspectionJun 2024
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 94 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Cox Communications
Cable		2,000 / 35

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