5540 Royal St, Crestview, FL 32539 Property Records

Okaloosa County property record for 5540 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 (7,642 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Jul 2020)
Tax Bill	$2,071 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-592-0911-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-592-0911-4`
Alternative APN	`04-3N-23-1846-0007-0010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,804 sqft Heated Area
Gross Area	2,520 sqft
1st Floor Area	732 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	7,642 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	5540 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 1 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	1 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
Mailing Address	5540 ROYAL ST, CRESTVIEW, FL 32539-8593
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2020 · Amount on Record
Deed Sale	Jul 10, 2020 · Amount on Record
Prior Sale	Mar 19, 2012 · Amount on Record
Deed Document Number	0034751054
Deed Book / Page	3475 / 1054
Last Transfer Date	Jul 13, 2020
Transfer Doc	0034751054
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 13, 2020
Property Address	5540 ROYAL ST, CRESTVIEW, FL 32539-8593
Document Number	0034751054
Book / Page	003475 / 001054
Instrument Date	Jul 10, 2020
Instrument	3372932
Transaction Type	Transfer
Record Updated	Aug 21, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5540 ROYAL ST CRESTVIEW FL 325398593, CRESTVIEW, FL 32539-8593

Mortgage

Document Number	34751056
Date	Jul 13, 2020
Book Page	003475/001056
Instrument	3372933

Lender

Name	CERTAINTY HM LNS LLC
Address	PLANO, TX 75024

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 12, 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	$2,071.00 (+6.15%) Homeowner's exemption	$240,837 (+5.99%)	$291,463 (-6.89%) Land $21,129 Building $270,334
2023	$1,951.00 (+2.41%) Homeowner's exemption	$227,233 (+3%)	$313,023 (+6.41%) Land $17,951 Building $295,072
2022	$1,905.00 Homeowner's exemption	$220,615	$294,180 Land $16,777 Building $277,403

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