4646 Ross Ct, Crestview, FL 32539 Property Records

Okaloosa County property record for 4646 Ross Ct, Crestview, FL 32539 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,857 sqft · built 1992
Lot Size	0.682 acres (29,700 sqft)
Owner	2 Individual Names on File
Last Sale	$367,400 (Jan 2025)
Tax Bill	$3,586 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Mar 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-597-5164-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-597-5164-4`
Alternative APNs	`32-3N-23-303B-000A-0180` `23N332303B000A0180`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,857 sqft Living Area
Gross Area	4,468 sqft
1st Floor Area	1,857 sqft
Upper Floors Area	504 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	29,700 sqft (0.682 acres)
Garage Type	Attached
Garage Area	484 sqft
Driveway	Driveway
Porch	Finished/Open Porch
Porch Area	507 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	4646 ROSS CT
City	CRESTVIEW
State	FL
Zip	32539-8364
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PAGE II LOT 18 BLK A
Legal Range	23W
Legal Township	03N
Legal Section	32
Legal Subdivision	PAGE II
Legal Block	A
Legal Lot Number	18
Jurisdiction	OKALOOSA FL
Township / Civil Division	CRESTVIEW
Census Block Group	1
Census Block	1009
Census Tract	20702

Owner

Source: Okaloosa County records · APN C56-000-597-5164-4

Assessment roll updated December 31, 2025 · Last verified June 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 File
Mailing Address	2003 PLUMOSA PALM DR, NICEVILLE, FL 32578-3524
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Mar 20, 2023	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Oct 05, 2021	Intrafamily Transfer, Transfer · VA Mortgage SERVICEMAC LLC
Jan 06, 2017	Warranty Deed, Transfer · VA Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 28, 2025 · Amount on Record
Deed Sale	Jan 28, 2025 · Amount on Record
Prior Sale	Oct 05, 2021
Deed Document Number	20253734130
Prior Transfer Date	Sep 18, 2021
Prior Transfer Doc	0035782055
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4646 ROSS CT, CRESTVIEW, FL 32539-8364
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4646 ROSS CT, CRESTVIEW, FL 32539-8364

Mortgage

Document Number	0003807101
Date	Mar 30, 2026
Instrument	3807101

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Apr 07, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4646 ROSS CT, CRESTVIEW, FL 32539-8364
Transaction Type	Mortgage
Record Updated	Apr 06, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4646 ROSS CT, CRESTVIEW, FL 32539-8364

Mortgage

Document Number	0036663795
Date	Mar 20, 2023
Book Page	3666/3795
Instrument	3612448

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2053

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Oct 05, 2021
Property Address	4646 ROSS CT, CRESTVIEW, FL 32539-8364
Document Number	0035782055
Book / Page	3578 / 2055
Map Reference	MB 11 PG 4
Instrument Date	Sep 18, 2021
Instrument	3494390
Transaction Type	Transfer
Record Updated	Oct 20, 2021
Title Company	SERVICELINK

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4646 ROSS CT, CRESTVIEW, FL 32539-8364

Mortgage

Document Number	35782059
Date	Oct 05, 2021
Instrument	3578/2059

Lender

Name	SERVICEMAC LLC
Type	Non-Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2051

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 06, 2017
Property Address	4646 ROSS CT, CRESTVIEW, FL 32539-8364
Document Number	0032823669
Book / Page	3282 / 3669
Map Reference	MB11 PG4
Instrument Date	Dec 22, 2016
Instrument	3110833
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,924.30
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5451 E BROOK DR, 5451, CRESTVIEW, FL 32539-9086

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4646 ROSS CT, CRESTVIEW, FL 32539-8364

Mortgage

Document Number	0003110834
Date	Jan 06, 2017
Instrument	3110834

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2047

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,586.00 (+3,220.37%)	$363,838 (+51.81%) Land $56,496 Building $307,342	$363,838 (-5.88%) Land $56,496 Building $307,342
2023	$108.00 (-94.53%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$239,659 (+3%)	$386,564 (+7.99%) Land $48,000 Building $338,564
2022	$1,974.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$232,679	$357,947 Land $39,385 Building $318,562

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120910207021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 31 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	31 in force

Wildfire

Wildfire Risk	Low above 34% of the US · above 9% of Florida
Wildfire Likelihood	About 1 in 3,030 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 220 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
LiveOak Fiber	Fiber	5,000 / 5,000
Cox Communications	Cable	2,000 / 35
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: Lumen Technologies, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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