5846 Lake Dr, Crestview, FL 32539 Property Records

Okaloosa County property record for 5846 Lake Dr, Crestview, FL 32539

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,112 sqft · built 1984
Lot Size	1.12 acres (48,773 sqft)
Owner	2 Individual Names on Record
Last Sale	$258,700 (Jan 2018)
Tax Bill	$124 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Nov 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-598-1474-9`

Property Details

APN / Parcel Number

Primary APN	`C56-000-598-1474-9`
Alternative APNs	`35-4N-23-1160-0004-0100` `23N435116000040100`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,112 sqft Living Area
Gross Area	3,228 sqft
1st Floor Area	1,248 sqft
Upper Floors Area	864 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	48,773 sqft (1.12 acres)
Lot Width	170 ft Width
Garage Type	Attached
Garage Area	528 sqft
Porch	Florida Room
Porch Area	588 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5846 LAKE DR
City	CRESTVIEW
State	FL
Zip	32539-9084
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLTOP ACRES COM SW COR LOT 12 BLK 3 N26 DEG E 167.71FT N 181.98FT N4 DEG W 389.8FT ALG W LINE OF LAKE DR TO POB CONT ALG R/W 150.52FT W 275FT TO W/E OF SANDERS LAKE THC SELY ALG W/E 150FT E 263FT TO POB AND THAT PART OF CLOSED LAKE DR LYING BETWEEN
Legal Range	23W
Legal Township	04N
Legal Section	35
Legal Subdivision	HILLTOP ACRES
Legal Block	3
Legal Lot Number	12
Jurisdiction	OKALOOSA FL
Township / Civil Division	CRESTVIEW
Census Block Group	1
Census Block	1030
Census Tract	20303

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	5846 LAKE DR, CRESTVIEW, FL 32539-9084
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2025	Deed of Trust, Mortgage · Line of Credit NEW AMERICAN FUNDING
Nov 3, 2021	Deed of Trust, Mortgage · VA Mortgage BROKER SOLUTIONS INC
Nov 13, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 27, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jan 4, 2018	Warranty Deed, Transfer · VA Mortgage BEACH COMMUNITY MORTGAGE SERVICES I

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2018 · Amount on Record
Deed Sale	Jan 4, 2018 · Amount on Record
Prior Sale	May 25, 2005 · Amount on Record
Deed Document Number	20183181106
Deed Book / Page	3332 / 1536
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	5846 LAKE DR, CRESTVIEW, FL 32539-9084
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5846 LAKE DR, CRESTVIEW, FL 32539-9084

Mortgage

Document Number	0003785129
Date	Nov 19, 2025
Instrument	3785129

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	CHARLOTTE, NC 28232

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Dec 4, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	5846 LAKE DR, CRESTVIEW, FL 32539-9084
Transaction Type	Mortgage
Record Updated	Nov 22, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5846 LAKE DR, CRESTVIEW, FL 32539-9084

Mortgage

Document Number	0035844210
Date	Nov 3, 2021
Book Page	3584/4210
Instrument	3502438

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Sep 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	5846 LAKE DR, CRESTVIEW, FL 32539-9084
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035051604
Date	Nov 13, 2020
Book Page	3505/1604
Instrument	3406994

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	5846 LAKE DR, CRESTVIEW, FL 32539-9084
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034463452
Date	Feb 27, 2020
Book Page	3446/3452
Instrument	3340696

Lender

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

Agreement

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

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 4, 2018
Property Address	5846 LAKE DR, CRESTVIEW, FL 32539-9084
Document Number	0033321536
Book / Page	3332 / 1536
Map Reference	MB2 PG146
Instrument Date	Dec 28, 2017
Instrument	3181106
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	THE MAIN SITREET LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4515 COVERLON COVE, 4515, JACKSONVILLE, FL 32225

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5846 LAKE DR, CRESTVIEW, FL 32539-9084

Mortgage

Document Number	0003181107
Date	Jan 4, 2018
Instrument	3181107

Lender

Name	BEACH COMMUNITY MORTGAGE SERVICES I
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

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	$124.00 (+14.81%) Homeowner's exemption Veteran's exemption	$228,939 (+5.99%)	$300,759 (-3.15%) Land $76,607 Building $224,152
2023	$108.00 (+2.86%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$216,007 (+3%)	$310,552 (+13.51%) Land $65,086 Building $245,466
2022	$105.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$209,716	$273,584 Land $57,932 Building $215,652

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
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 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 54% of the US · lower than 74% of Florida
Wildfire Likelihood	0.1% 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 49 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

Cell Coverage

5G and 4G LTE (outdoors only)

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