Okaloosa County property record for 511 Arbor Lake Dr, Crestview, FL 32536
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,755 sqft · built 2012 |
| Lot Size | 0.04 acres (1,760 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $122,000 (Oct 2016) |
| Tax Bill | $3,378 (2025) |
| Deeds & Mortgages | May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-001-046-1643-8 |
| Primary APN | C56-001-046-1643-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,755 sqft Living Area |
| Gross Area | 2,093 sqft |
| 1st Floor Area | 725 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Townhouse |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 1,760 sqft (0.04 acres) |
| Garage Type | Attached |
| Garage Area | 280 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 58 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 511 ARBOR LAKE DR |
|---|---|
| City | CRESTVIEW |
| State | FL |
| Zip | 32536-1907 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ARBOR LAKE PH II LOT 3 BLK A |
| Legal Range | 23W |
| Legal Township | 03N |
| Legal Section | 08 |
| Legal Subdivision | ARBOR LAKE PH II |
| Legal Phase | 2 |
| Legal Block | A |
| Legal Lot Number | 3 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | CRESTVIEW |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 20500 |
511 Arbor Lake Dr is owned by two individuals who bought it in October 2016.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PSC 41 BOX 6251, APO, AE 09464-0063 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 26, 2016 · Amount on File |
| Deed Sale | Oct 26, 2016 · Amount on File |
| Deed Document Number | 20163098416 |
| Deed Book / Page | 3273 / 611 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 511 ARBOR LAKE DR, CRESTVIEW, FL 32536-1907 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0034641932 |
|---|---|
| Date | May 27, 2020 |
| Book Page | 3464/1932 |
| Instrument | 3360659 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
The 2025 property tax bill for 511 Arbor Lake Dr was $3,378.
Source: Okaloosa County assessment roll, as of December 31, 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 | $3,378.00 | $212,832 Land $15,000 Building $197,832 | $212,832 Land $15,000 Building $197,832 |
| 2023 | $1,245.00 (+3.84%) Homeowner's exemption | $118,542 (+3%) | $199,974 (+24.97%) Land $15,000 Building $184,974 |
| 2022 | $1,199.00 Homeowner's exemption | $115,089 | $160,021 Land $10,000 Building $150,021 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 511 Arbor Lake Dr 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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 3 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 511 Arbor Lake Dr is moderate, ranking above 45% 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 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% 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.
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 288 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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