4725 Whitewater Ln, Crestview, FL 32539 Property Records

Okaloosa County property record for 4725 Whitewater Ln, Crestview, FL 32539

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,814 sqft · built 2001
Lot Size	0.268 acres (11,713 sqft)
Owner	Individual Name on Record
Last Sale	$302,000 (Feb 2022)
Tax Bill	$2,263 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-597-7696-3`

Property Details

APN / Parcel Number

Primary APN	`C56-000-597-7696-3`
Alternative APN	`33-3N-23-2555-000C-0190`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,814 sqft Heated Area
Gross Area	2,539 sqft
1st Floor Area	1,814 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	11,713 sqft (0.268 acres)
Garage Type	Finished
Garage Area	504 sqft
Porch	Open Porch
Porch Area	221 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4725 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 19 BLK C
Legal Range	23
Legal Township	03N
Legal Section	33
Legal Subdivision	SUGAR CREEK S/D
Legal Block	C
Legal Lot Number	19
Jurisdiction	OKALOOSA FL
Township / Civil Division	CRESTVIEW
Census Block Group	3
Census Block	3008
Census Tract	20702

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 Record	Individual Name on Record
Mailing Address	4725 WHITEWATER LN, CRESTVIEW, FL 32539-5756
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2022	Warranty Deed, Transfer · VA Mortgage CALIBER HOME LOANS INC
Dec 3, 2019	Warranty Deed, Transfer · VA Mortgage AMERIS BANK
Oct 2, 2017	Warranty Deed, Transfer · VA Mortgage UNIVERSITY LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 16, 2022 · Amount on Record
Deed Sale	Feb 16, 2022 · Amount on Record
Prior Sale	Dec 3, 2019 · Amount on Record
Deed Document Number	3527397
Deed Book / Page	3604 / 4321
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 16, 2022
Property Address	4725 WHITEWATER LN, CRESTVIEW, FL 32539-5756
Document Number	0036044321
Book / Page	3604 / 4321
Map Reference	MB 17 PG 43&44
Instrument Date	Feb 14, 2022
Instrument	3527397
Transaction Type	Transfer
Record Updated	Mar 15, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,114.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2892 CHANCERY LN, 2892, CRESTVIEW, FL 32539-4346

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4725 WHITEWATER LN, CRESTVIEW, FL 32539-5756

Mortgage

Document Number	0036044326
Date	Feb 16, 2022
Instrument	3604/4326

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 3, 2019
Property Address	4725 WHITEWATER LN, CRESTVIEW, FL 32539-5756
Document Number	0034312889
Book / Page	3431 / 2889
Map Reference	MB 17 PG 43&44
Instrument Date	Nov 15, 2019
Instrument	3321559
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4725 WHITEWATER LN, 4725, CRESTVIEW, FL 32539-5756

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4500 CHARINGWOOD CT, MONTGOMERY, AL 36109-3309

Mortgage

Document Number	0034312891
Date	Dec 3, 2019
Instrument	3431-2891

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 2, 2017
Property Address	4725 WHITEWATER LN, CRESTVIEW, FL 32539-5756
Document Number	0033193777
Book / Page	003319 / 003777
Instrument Date	Sep 29, 2017
Instrument	3163134
Transaction Type	Transfer
Record Updated	Dec 8, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,309.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 MCKINLEY ST NICEVILLE FL 325781223, NICEVILLE, FL 32578-1223

Mortgage

Document Number	33193779
Date	Oct 2, 2017
Book Page	003319/003779
Instrument	3163135

Lender

Name	UNIVERSITY LNDG
Address	SOUTHFIELD, MI 48034

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

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	$2,263.00 (-8.27%) Homeowner's exemption	$260,978 (-7.06%) Land $47,080 Building $213,898	$260,978 (-7.06%) Land $47,080 Building $213,898
2023	$2,467.00 (+67.48%) Homeowner's exemption	$280,812 (+59.31%) Land $40,000 Building $240,812	$280,812 (+10.21%) Land $40,000 Building $240,812
2022	$1,473.00 Homeowner's exemption	$176,270	$254,792 Land $28,719 Building $226,073

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 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 Record 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

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

Wildfire Risk	Moderate above 48% of the US · lower than 81% 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 203 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 · Fiber in parts of the area	2,000 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

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