5515 Royal St, Crestview, FL 32539 Property Records

Okaloosa County property record for 5515 Royal St, Crestview, FL 32539

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,098 sqft · built 1980
Lot Size	0.775 acres (33,787 sqft)
Owner	Individual Name on Record
Last Sale	$117,500 (Feb 2020)
Tax Bill	$1,517 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-592-0688-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-592-0688-8`
Alternative APN	`04-3N-23-1840-0019-003C`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,098 sqft Heated Area
Gross Area	1,632 sqft
1st Floor Area	1,098 sqft
Interior Walls	Paneling

Exterior

Year Built	Built 1980
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	33,787 sqft (0.775 acres)
Lot Width	107 ft Width
Garage Type	Mixed
Garage Area	264 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	90 sqft
Patio Area	40 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	5515 ROYAL ST
City	CRESTVIEW
State	FL
Zip	32539-8594
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAKDALE MIN/FARMS S116.67 FT OF W1/2 LOT 3 BLK 19 EX S10 FT
Legal Range	23
Legal Township	03N
Legal Section	04
Legal Subdivision	OAKDALE M/F
Legal Block	19
Legal Lot Number	3
Jurisdiction	OKALOOSA FL
Township / Civil Division	CRESTVIEW
Census Block Group	4
Census Block	4030
Census Tract	20400

Owner

Source: Okaloosa County records, as of December 8, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	5515 ROYAL ST, CRESTVIEW, FL 32539-8594
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2023	Deed of Trust, Mortgage · Line of Credit CCB COMMUNITY BANK
Feb 25, 2020	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 2020 · Amount on Record
Deed Sale	Feb 25, 2020 · Amount on Record
Prior Sale	Dec 2, 2004 · Amount on Record
Deed Document Number	3339810
Deed Book / Page	3445 / 4766
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	5515 ROYAL ST, CRESTVIEW, FL 32539-8594
Transaction Type	Mortgage
Record Updated	Aug 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5515 ROYAL ST, CRESTVIEW, FL 32539-8594

Mortgage

Document Number	0036851051
Date	Jul 26, 2023
Book Page	3685/1051
Instrument	3637840

Lender

Name	CCB COMMUNITY BANK
Type	Bank
Address	CRESTVIEW, FL 32536

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 15, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 25, 2020
Property Address	5515 ROYAL ST, CRESTVIEW, FL 32539-8594
Document Number	0034454766
Book / Page	3445 / 4766
Map Reference	MB 1 PG 129
Instrument Date	Feb 14, 2020
Instrument	3339810
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	KNIGHT BARRY TITLE SLN INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$822.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PSC 444 BOX 714, 714, APO, AP 96297-0008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5515 ROYAL ST, CRESTVIEW, FL 32539-8594

Mortgage

Document Number	0034454768
Date	Feb 25, 2020
Instrument	3445/4768

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 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	$1,517.00 (+3.2%)	$146,398 (-2.68%) Land $31,002 Building $115,396	$146,398 (-2.68%) Land $31,002 Building $115,396
2023	$1,470.00 (+6.37%)	$150,422 (+6.49%) Land $26,339 Building $124,083	$150,422 (+6.49%) Land $26,339 Building $124,083
2022	$1,382.00	$141,256 Land $24,616 Building $116,640	$141,256 Land $24,616 Building $116,640

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	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.06% 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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