4715 Whitewater Ln, Crestview, FL 32539 Property Records

Okaloosa County property record for 4715 Whitewater Ln, Crestview, FL 32539

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,969 sqft · built 2001
Lot Size	0.666 acres (29,022 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,450 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-597-7701-1`

Property Details

APN / Parcel Number

Primary APN	`C56-000-597-7701-1`
Alternative APNs	`33-3N-23-2555-000C-0240` `23N3332555000C0240`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,969 sqft Living Area
Gross Area	2,644 sqft
1st Floor Area	1,969 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	29,022 sqft (0.666 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Open/Unfinished Porch
Porch Area	234 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4715 WHITEWATER LN
City	CRESTVIEW
State	FL
Zip	32539-5756
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUGAR CREEK S/D LOT 24 BLK C
Legal Range	23W
Legal Township	03N
Legal Section	33
Legal Subdivision	SUGAR CREEK S/D
Legal Block	C
Legal Lot Number	24
Jurisdiction	OKALOOSA FL
Township / Civil Division	CRESTVIEW
Census Block Group	3
Census Block	3008
Census Tract	20702

Owner

4715 Whitewater Ln is owned and occupied by two individuals who acquired it in January 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	4715 WHITEWATER LN, CRESTVIEW, FL 32539-5756
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
Dec 27, 2023	Deed of Trust, Mortgage · VA Mortgage PLAZA HOME MORTGAGE INC
Oct 30, 2020	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Jan 23, 2020	Intrafamily Transfer, Transfer · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Jun 28, 2017	Warranty Deed, Transfer · VA Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2020
Deed Sale	Jan 23, 2020
Prior Sale	Jun 28, 2017 · Amount on File
Deed Document Number	20203332292
Deed Book / Page	3440 / 441
Prior Transfer Date	Jan 17, 2020
Prior Transfer Doc	0034400441
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4715 WHITEWATER LN, CRESTVIEW, FL 32539-5756
Transaction Type	Mortgage
Record Updated	Jan 25, 2024
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4715 WHITEWATER LN, CRESTVIEW, FL 32539-5756

Mortgage

Document Number	0003663683
Date	Dec 27, 2023
Instrument	3663683

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92121

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Jan 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4715 WHITEWATER LN, CRESTVIEW, FL 32539-5756
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4715 WHITEWATER LN, CRESTVIEW, FL 32539-5756

Mortgage

Document Number	0035022012
Date	Oct 30, 2020
Book Page	3502/2012
Instrument	3403557

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89052

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

January 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Jan 23, 2020
Property Address	4715 WHITEWATER LN, CRESTVIEW, FL 32539-5756
Document Number	0034400441
Book / Page	3440 / 0441
Map Reference	MB 17 PG 43
Instrument Date	Jan 17, 2020
Instrument	3332292
Transaction Type	Transfer
Record Updated	Jan 10, 2022

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	4715 WHITEWATER LN, CRESTVIEW, FL 32539-5756

Mortgage

Document Number	0034400446
Date	Jan 23, 2020
Instrument	3440/0446

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 28, 2017
Property Address	4715 WHITEWATER LN, CRESTVIEW, FL 32539-5756
Document Number	0033060184
Book / Page	3306 / 0184
Map Reference	MB17 PG43
Instrument Date	Jun 16, 2017
Instrument	3144031
Transaction Type	Transfer
Record Updated	Jan 10, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4715 WHITEWATER LN, 4715, CRESTVIEW, FL 32539-5756

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	BOX 766 APO AP, APO, AP 96264

Mortgage

Document Number	0003144032
Date	Jun 28, 2017
Instrument	3144032

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4715 Whitewater Ln was $1,450 with a homeowner's exemption.

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	$1,450.00 Homeowner's exemption	$175,581	$280,143 Land $47,080 Building $233,063
2023	$1,359.00 (+2.72%) Homeowner's exemption	$165,663 (+3%)	$303,965 (+9.96%) Land $40,000 Building $263,965
2022	$1,323.00 Homeowner's exemption	$160,838	$276,437 Land $28,719 Building $247,718

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

Flood

FEMA maps place 4715 Whitewater Ln 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 25 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	25 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 4715 Whitewater Ln is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.06% 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 341 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

May also be available: Verizon.

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