Okaloosa County property record for 489 Merganser Way, Crestview, FL 32539
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,129 sqft · built 2017 |
| Lot Size | 0.297 acres (12,960 sqft) |
| Owner | Individual Name on File |
| Last Sale | $300,000 (Mar 2017) |
| Tax Bill | $4,690 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage Mar 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-001-063-0625-1 |
| Primary APN | C56-001-063-0625-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,129 sqft Heated Area |
| Gross Area | 3,917 sqft |
| 1st Floor Area | 3,129 sqft |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 12,960 sqft (0.297 acres) |
| Garage Type | Finished |
| Garage Area | 440 sqft |
| Porch | Open Porch |
| Porch Area | 348 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 489 MERGANSER WAY |
|---|---|
| City | CRESTVIEW |
| State | FL |
| Zip | 32539-6744 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | REDSTONE COMMONS PH I LOT 65 |
| Legal Range | 23 |
| Legal Township | 03N |
| Legal Section | 27 |
| Legal Subdivision | REDSTONE COMMONS PH 1 |
| Legal Phase | 1 |
| Legal Lot Number | 65 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | CRESTVIEW |
| Census Block Group | 2 |
| Census Block | 2056 |
| Census Tract | 20701 |
489 Merganser Way is owned and occupied by an individual who bought it in March 2017.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 489 MERGANSER WAY, CRESTVIEW, FL 32539-6744 |
| 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.
| Date | Document |
|---|---|
| Aug 1, 2022 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Mar 24, 2021 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Apr 2, 2020 | Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS |
| Mar 2, 2017 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 2, 2017 · Amount on File |
| Deed Sale | Mar 2, 2017 · Amount on File |
| Deed Document Number | 3120776 |
| Deed Book / Page | 3289 / 2625 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 489 MERGANSER WAY, CRESTVIEW, FL 32539-6744 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|---|
| Address | 489 MERGANSER WAY, CRESTVIEW, FL 32539-6744 |
| Document Number | 0036352792 |
|---|---|
| Date | Aug 1, 2022 |
| Book Page | 3635/2792 |
| Instrument | 3568502 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 489 MERGANSER WAY, CRESTVIEW, FL 32539-6744 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2021 |
| Name | Verified Name |
|---|---|
| Address | 489 MERGANSER WAY, CRESTVIEW, FL 32539-6744 |
| Document Number | 0035342889 |
|---|---|
| Date | Mar 24, 2021 |
| Book Page | 3534/2889 |
| Instrument | 3440705 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 489 MERGANSER WAY, CRESTVIEW, FL 32539-6744 |
| Document Number | 0034543834 |
| Instrument Date | Apr 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2020 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/OREGON |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 489 MERGANSER WAY CRESTVIEW FL 325396744, CRESTVIEW, FL 32539-6744 |
| Document Number | 0034543834 |
|---|---|
| Date | Apr 7, 2020 |
| Book Page | 003454/003834 |
| Instrument | 3350230 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 6, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Mar 2, 2017 |
| Property Address | 489 MERGANSER WAY, CRESTVIEW, FL 32539-6744 |
| Document Number | 0032892625 |
| Book / Page | 3289 / 2625 |
| Map Reference | MB27 PG5-10 |
| Instrument Date | Feb 28, 2017 |
| Instrument | 3120776 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 25366 PROFIT DR, 25366, DAPHNE, AL 36526-5126 |
| Name | Verified Name |
|---|---|
| Address | 489 MERGANSER WAY, CRESTVIEW, FL 32539-6744 |
| Document Number | 0003120777 |
|---|---|
| Date | Mar 2, 2017 |
| Instrument | 3120777 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2047 |
The 2025 property tax bill for 489 Merganser Way was $4,690 with exemptions applied.
Source: Okaloosa County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Crestview City |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,690.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $342,494 | $428,629 Land $47,235 Building $381,394 |
| 2023 | $4,474.00 (+2.8%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $323,148 (+3%) | $472,489 (+6.39%) Land $40,131 Building $432,358 |
| 2022 | $4,352.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $313,736 | $444,105 Land $37,506 Building $406,599 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 489 Merganser Way in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 10 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 risk around 489 Merganser Way is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 82% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CRESTVIEW, CITY OF WATER DEPT. serves 34,789 people · EPA ID FL1460182 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 296 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| Cox Communications Fiber | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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