5309 Four Lake Dr, Crestview, FL 32539 Property Records

Okaloosa County property record for 5309 Four Lake Dr, Crestview, FL 32539

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,755 sqft · built 1987
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Last Sale	$100,000 (Oct 2019)
Tax Bill	$1,543 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Oct 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-595-8452-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-595-8452-4`
Alternative APNs	`18-3N-22-0000-0001-0280` `22N318000000010280`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,755 sqft Living Area
Gross Area	2,472 sqft
1st Floor Area	1,755 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	130,680 sqft (3 acres)
Garage Type	Attached
Garage Area	621 sqft
Porch	Slab
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5309 FOUR LAKE DR
City	CRESTVIEW
State	FL
Zip	32539-6103
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG 2263.69 FT S & 66 FT E OF NW COR SEC E792.21 FT S25 DEG W219.92 FT N79 DEG W164.46 FT W537.91 FT N171.04 FT TO BEG OR 1163-1965
Legal Range	22W
Legal Township	03N
Legal Section	18
Legal Block	1
Legal Lot Number	280
Jurisdiction	OKALOOSA FL
Township / Civil Division	CRESTVIEW
Census Block Group	1
Census Block	1081
Census Tract	20306

Owner

5309 Four Lake Dr is owned and occupied by two individuals who bought it in October 2019.

Source: Okaloosa County records, as of January 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5309 FOUR LAKE DR, CRESTVIEW, FL 32539-6103
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
Sep 21, 2020	Warranty Deed, Transfer · VA Mortgage KELLER MORTGAGE LLC
Oct 31, 2019	Warranty Deed, Transfer MEAD LAW AND TITLE, MEAD LAW & TITLE
Oct 10, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2019 · Amount on File
Deed Sale	Oct 31, 2019 · Amount on File
Deed Document Number	20193315170
Deed Book / Page	3426 / 3449
Prior Transfer Date	Jul 18, 2019
Prior Transfer Doc	0034232200
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 21, 2020
Property Address	5309 FOUR LAKE DR, CRESTVIEW, FL 32539-6103
Document Number	0034924262
Book / Page	3492 / 4262
Instrument Date	Sep 15, 2020
Instrument	3391938
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	MEAD LAW & TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24 WALTER MARTIN RD NE # NE201, 24, FT WALTON BCH, FL 32548-4945

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5309 FOUR LAKE DR, CRESTVIEW, FL 32539-6103

Mortgage

Document Number	0034924264
Date	Sep 21, 2020
Instrument	3492/4264

Lender

Name	KELLER MORTGAGE LLC
Type	Mortgage Company

Agreement

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

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 31, 2019
Property Address	5309 FOUR LAKE DR, CRESTVIEW, FL 32539-6103
Document Number	0034263449
Book / Page	003426 / 003449
Instrument Date	Oct 23, 2019
Instrument	3315170
Transaction Type	Transfer
Record Updated	Nov 18, 2019
Title Company	MEAD LAW AND TITLE, MEAD LAW & TITLE

Transaction

Amount	Amount on Record
Tax	$700.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	117 KYLE LN CRESTVIEW FL 325397038, CRESTVIEW, FL 32539-7038

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 10, 2019
Property Address	5309 FOUR LAKE DR, CRESTVIEW, FL 32539-6103
Document Number	0034232200
Book / Page	003423 / 002200
Instrument Date	Jul 18, 2019
Instrument	3310504
Transaction Type	Transfer
Record Updated	Oct 30, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	70 COLD STREAM WAY HENDERSONVILLE NC 287912409, HENDERSONVILLE, NC 28791-2409

Tax Assessment & Valuation

The 2025 property tax bill for 5309 Four Lake Dr was $1,543 with exemptions applied.

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	$1,543.00 Homeowner's exemption Veteran's exemption	$192,076	$252,616 Land $58,237 Building $194,379
2023	$1,460.00 (+2.53%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$181,226 (+3%)	$235,580 (+9.36%) Land $49,478 Building $186,102
2022	$1,424.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$175,948	$215,409 Land $44,040 Building $171,369

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

Flood

FEMA maps place 5309 Four 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	1 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 5309 Four Lake Dr is moderate, ranking above 48% of the US, with a 0.1% annual chance of 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	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	AUBURN WATER SYSTEM public/private · serves 22,903 people · EPA ID FL1460035
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	2 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber	2,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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