5538 Royal St, Crestview, FL 32539 Property Records

Okaloosa County property record for 5538 Royal St, Crestview, FL 32539

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,804 sqft · built 2020
Lot Size	0.175 acres (7,639 sqft)
Owner	Individual Name on Record
Last Sale	$234,900 (Aug 2020)
Tax Bill	$1,896 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-001-004-3378-8`

Property Details

APN / Parcel Number

Primary APN	`C56-001-004-3378-8`
Alternative APN	`04-3N-23-1846-0007-002A`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,804 sqft Heated Area
Gross Area	2,520 sqft
Flooring	Concrete/Cement
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2020
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	7,639 sqft (0.175 acres)
Lot Width	50 ft Width
Garage Type	Finished
Garage Area	506 sqft
Porch	Open Porch
Porch Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	5538 ROYAL ST
City	CRESTVIEW
State	FL
Zip	32539-8593
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RE S/D BLK 18 OAKDALE M/F LOT 2 BLK 7
Legal Range	23
Legal Township	03N
Legal Section	04
Legal Subdivision	OAKDALE M/F RESUB BLK 18
Legal Block	7,18
Legal Lot Number	2
Jurisdiction	OKALOOSA FL
Township / Civil Division	CRESTVIEW
Census Block Group	1
Census Block	1020
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
Co-owner	Co-owner on Record
Mailing Address	5538 ROYAL ST, CRESTVIEW, FL 32539-8593
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2020 · Amount on Record
Deed Sale	Aug 21, 2020 · Amount on Record
Prior Sale	Jul 8, 2015 · Amount on Record
Deed Document Number	3384548
Deed Book / Page	3485 / 4247
Record Updated	Jun 8, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 21, 2020
Property Address	5538 ROYAL ST, CRESTVIEW, FL 32539-8593
Document Number	0034854247
Book / Page	3485 / 4247
Map Reference	MB 2 PG 131
Instrument Date	Aug 19, 2020
Instrument	3384548
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	MEAD LAW & TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,644.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	322 BAYSHORE DR, 322, NICEVILLE, FL 32578-2425

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5538 ROYAL ST, CRESTVIEW, FL 32539-8593

Mortgage

Document Number	0034854249
Date	Aug 21, 2020
Instrument	3485/4249

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 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	$1,896.00 (+6.28%) Homeowner's exemption	$222,416 (+5.99%)	$273,294 (-5.32%) Land $21,129 Building $252,165
2023	$1,784.00 (+2.47%) Homeowner's exemption	$209,852 (+3%)	$288,638 (+6.41%) Land $17,951 Building $270,687
2022	$1,741.00 Homeowner's exemption	$203,740	$271,254 Land $16,777 Building $254,477

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	3 in force
Nearby Flood Claims	3 (2008–2010)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Feb 2010 · other causes

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	0.07% 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 288 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 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20