5489 Monterrey Rd, Crestview, FL 32539 Property Records

Okaloosa County property record for 5489 Monterrey Rd, Crestview, FL 32539

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,497 sqft · built 2009
Lot Size	0.415 acres (18,079 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Feb 2020)
Tax Bill	$2,083 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-001-025-9339-9`

Property Details

APN / Parcel Number

Primary APN	`C56-001-025-9339-9`
Alternative APNs	`10-3N-23-0000-0002-009B` `23N31000000002009B`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,497 sqft Living Area
Gross Area	3,259 sqft
1st Floor Area	2,497 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	18,079 sqft (0.415 acres)
Lot Dimensions	200 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	532 sqft
Porch	Finished/Open Porch
Porch Area	70 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5489 MONTERREY RD
City	CRESTVIEW
State	FL
Zip	32539-8567
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2: COM NW COR OF NE1/4 OF SW1/4 E 31.78 FT S328.55 FT TO POB S 90 FT E 199.82 FT N 90 FT W 199.82 FT TO POB
Legal Range	23W
Legal Township	03N
Legal Section	10
Legal Block	2
Legal Lot Number	2
Jurisdiction	OKALOOSA FL
Township / Civil Division	CRESTVIEW
Census Block Group	4
Census Block	4028
Census Tract	20400

Owner

Source: Okaloosa County records, as of August 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5489 MONTERREY RD, CRESTVIEW, FL 32539-8567
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 19, 2020	Warranty Deed, Transfer · VA Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2020 · Amount on Record
Deed Sale	Feb 19, 2020 · Amount on Record
Prior Sale	Apr 1, 2010 · Amount on Record
Deed Document Number	20203338511
Deed Book / Page	3444 / 4293
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	5489 MONTERREY RD, CRESTVIEW, FL 32539-8567
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	POWERHOUSE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5489 MONTERREY RD, CRESTVIEW, FL 32539-8567

Mortgage

Document Number	0035273037
Date	Feb 23, 2021
Book Page	3527/3037
Instrument	3432419

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2051

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 19, 2020
Property Address	5489 MONTERREY RD, CRESTVIEW, FL 32539-8567
Document Number	0034444293
Book / Page	003444 / 004293
Instrument Date	Feb 14, 2020
Instrument	3338511
Transaction Type	Transfer
Record Updated	Mar 5, 2020
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5489 MONTERREY RD CRESTVIEW FL 325398567, CRESTVIEW, FL 32539-8567

Mortgage

Document Number	34444295
Date	Feb 19, 2020
Book Page	003444/004295
Instrument	3338512

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 18, 2050

Tax Assessment & Valuation

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	$2,083.00 (+6.28%) Homeowner's exemption Veteran's exemption	$247,048 (+5.99%)	$309,013 (-4.75%) Land $33,585 Building $275,428
2023	$1,960.00 (+2.51%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$233,093 (+3%)	$324,433 (+8.42%) Land $28,534 Building $295,899
2022	$1,912.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$226,304	$299,240 Land $26,667 Building $272,573

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	5 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 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.08% 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	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 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
AT&T Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100

May also be available: Verizon.

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