Okaloosa County property record for 541 Shoal River Dr, Crestview, FL 32539
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,234 sqft · built 1997 |
| Lot Size | 0.31 acres (13,507 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $380,000 (Jul 2021) |
| Tax Bill | $124 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage Jan 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-591-8738-5 |
| Primary APN | C56-000-591-8738-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,234 sqft Living Area |
| Gross Area | 4,636 sqft |
| 1st Floor Area | 1,449 sqft |
| Upper Floors Area | 1,785 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 13,507 sqft (0.31 acres) |
| Garage Type | Attached |
| Garage Area | 756 sqft |
| Driveway | Driveway |
| Porch | Finished/Open Porch |
| Porch Area | 142 sqft |
| Patio Area | 504 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 541 SHOAL RIVER DR |
|---|---|
| City | CRESTVIEW |
| State | FL |
| Zip | 32539-8359 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKESIDE EAST AMENDED LOT 47 BLK C |
| Legal Range | 23W |
| Legal Township | 02N |
| Legal Section | 04 |
| Legal Subdivision | LAKESIDE EAST |
| Legal Block | C |
| Legal Lot Number | 47 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | CRESTVIEW |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 20702 |
541 Shoal River Dr is owned and occupied by two individuals who bought it in July 2021.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 541 SHOAL RIVER DR, CRESTVIEW, FL 32539-8359 |
| 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 |
|---|---|
| Jul 13, 2021 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jan 15, 2019 | Grant Deed, Transfer · VA Mortgage NAVY FCU |
| Jun 28, 2017 | Trustee's Deed, Foreclosure |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 13, 2021 · Amount on File |
| Deed Sale | Jul 13, 2021 · Amount on File |
| Prior Sale | Jan 15, 2019 · Amount on File |
| Deed Document Number | 20213471446 |
| Deed Book / Page | 3560 / 593 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 13, 2021 |
| Property Address | 541 SHOAL RIVER DR, CRESTVIEW, FL 32539-8359 |
| Document Number | 0035600593 |
| Book / Page | 3560 / 593 |
| Map Reference | MB 10 PG 25 |
| Instrument Date | Jul 9, 2021 |
| Instrument | 3471446 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | MOULTON LAND TITLE INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,660.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1603 DUTCH GAP CT, 1603, FORT LEE, VA 23801-1221 |
| Name | Verified Name |
|---|---|
| Address | 541 SHOAL RIVER DR, CRESTVIEW, FL 32539-8359 |
| Investor | Possibly a Property Investor |
| Document Number | 3560594 |
|---|---|
| Date | Jul 13, 2021 |
| Instrument | 3560/594 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jan 15, 2019 |
| Property Address | 541 SHOAL RIVER DR, CRESTVIEW, FL 32539-8359 |
| Document Number | 0033813654 |
| Book / Page | 003381 / 003654 |
| Instrument Date | Jan 14, 2019 |
| Instrument | 3253466 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,756.30 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 541 SHOAL RIVER DR CRESTVIEW FL 325398359, CRESTVIEW, FL 32539-8359 |
| Document Number | 33813656 |
|---|---|
| Date | Jan 15, 2019 |
| Book Page | 003381/003656 |
| Instrument | 3253467 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 14, 2049 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 28, 2017 |
| Property Address | 541 SHOAL RIVER DR, CRESTVIEW, FL 32539-8359 |
| Document Number | 0033060098 |
| Book / Page | 003306 / 000098 |
| Instrument Date | Jun 12, 2017 |
| Instrument | 3144005 |
| Transaction Type | Foreclosure |
| Record Updated | Nov 27, 2017 |
| Amount | Amount on Record |
|---|---|
| Tax | $1,285.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 541 Shoal River Dr was $124 with exemptions applied.
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $124.00 Homeowner's exemption Veteran's exemption | $378,247 Land $48,257 Building $329,990 | $378,247 Land $48,257 Building $329,990 |
| 2023 | $3,457.00 (+2.25%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $388,538 (+3%) | $405,454 (+7.48%) Land $41,000 Building $364,454 |
| 2022 | $3,381.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $377,221 Land $34,291 Building $342,930 | $377,221 Land $34,291 Building $342,930 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 541 Shoal River Dr 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 risk around 541 Shoal River 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 34 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 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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