4603 Hermosa Rd, Crestview, FL 32539 Property Records

Okaloosa County property record for 4603 Hermosa Rd, Crestview, FL 32539

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,643 sqft · built 2009
Lot Size	0.161 acres (6,999 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (Oct 2021)
Tax Bill	$2,815 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-988-3737-0`

Property Details

APN / Parcel Number

Primary APN	`C56-000-988-3737-0`
Alternative APNs	`05-2N-23-1200-0000-1000` `23N205120000001000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,643 sqft Living Area
Gross Area	3,416 sqft
1st Floor Area	1,057 sqft
Upper Floors Area	1,586 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	6,999 sqft (0.161 acres)
Garage Type	Attached
Garage Area	529 sqft
Porch	Finished/Open Porch
Porch Area	144 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4603 HERMOSA RD
City	CRESTVIEW
State	FL
Zip	32539-6734
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DUGGAN POND EST LOT 100
Legal Range	23W
Legal Township	02N
Legal Section	05
Legal Subdivision	DUGGAN POND EST
Legal Lot Number	100
Jurisdiction	OKALOOSA FL
Township / Civil Division	CRESTVIEW
Census Block Group	1
Census Block	1019
Census Tract	20702

Owner

4603 Hermosa Rd is owned and occupied by two individuals who bought it in October 2021.

Source: Okaloosa County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4603 HERMOSA RD, CRESTVIEW, FL 32539-6734
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
Oct 28, 2021	Warranty Deed, Transfer · VA Mortgage USAA FSB
Sep 16, 2019	Warranty Deed, Transfer · VA Mortgage TRIDENT HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2021 · Amount on File
Deed Sale	Oct 28, 2021 · Amount on File
Prior Sale	Sep 16, 2019 · Amount on File
Deed Document Number	20213500533
Deed Book / Page	3583 / 2131
Prior Transfer Date	Oct 28, 2011
Prior Transfer Doc	0030081098
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 28, 2021
Property Address	4603 HERMOSA RD, CRESTVIEW, FL 32539-6734
Document Number	0035832131
Book / Page	3583 / 2131
Map Reference	MB 23 PG 100-102
Instrument Date	Oct 27, 2021
Instrument	3500533
Transaction Type	Transfer
Record Updated	Nov 17, 2021
Title Company	CHAMPIONSHIP TITLE AGCY LLC

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2895 CHANTERELLE CV, 2895, CRESTVIEW, FL 32539-4356

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4603 HERMOSA RD, CRESTVIEW, FL 32539-6734

Mortgage

Document Number	0035832133
Date	Oct 28, 2021
Book Page	3583/2133
Instrument	3500534

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 16, 2019
Property Address	4603 HERMOSA RD, CRESTVIEW, FL 32539-6734
Document Number	0034190908
Book / Page	003419 / 000908
Instrument Date	Sep 4, 2019
Instrument	3305038
Transaction Type	Transfer
Record Updated	Oct 7, 2019
Title Company	KNIGHT BARRY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,834.00
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	4603 HERMOSA RD CRESTVIEW FL 325396734, CRESTVIEW, FL 32539-6734

Mortgage

Document Number	34190910
Date	Sep 16, 2019
Book Page	003419/000910
Instrument	3305039

Lender

Name	TRIDENT HM LNS
Type	Funding / Finance Company
Address	GULF BREEZE, FL 32561

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 15, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4603 Hermosa Rd was $2,815 with exemptions applied.

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	$2,815.00 Homeowner's exemption Veteran's exemption	$324,033 Land $47,080 Building $276,953	$324,033 Land $47,080 Building $276,953
2023	$3,455.00 (+6.47%)	$347,604 (+7.75%) Land $40,000 Building $307,604	$347,604 (+7.75%) Land $40,000 Building $307,604
2022	$3,245.00	$322,604 Land $34,078 Building $288,526	$322,604 Land $34,078 Building $288,526

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

Flood

FEMA maps place 4603 Hermosa Rd 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 4603 Hermosa Rd is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% 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	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 311 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: CenturyLink.

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