604 Ridge Lake Rd, Crestview, FL 32536 Property Records

Okaloosa County property record for 604 Ridge Lake Rd, Crestview, FL 32536

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,309 sqft · built 1988
Lot Size	1.17 acres (50,965 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,500 (Apr 2020)
Tax Bill	$1,622 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-592-8385-3`

Property Details

APN / Parcel Number

Primary APN	`C56-000-592-8385-3`
Alternative APNs	`06-3N-23-0000-0011-0500` `23N306000000110500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,309 sqft Living Area
Gross Area	3,061 sqft
1st Floor Area	2,037 sqft
Basement Area	340 sqft
Finished Basement	340 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	50,965 sqft (1.17 acres)
Garage Type	Carport
Garage Area	529 sqft
Carport	Carport
Carport Area	529 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	120 sqft
Patio Area	564 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	604 RIDGE LAKE RD
City	CRESTVIEW
State	FL
Zip	32536-9525
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2-A COM 150.59 FT N & 1883.74 FT E OF SW COR OF NW1/4 FOR POB THC N77 DEG W358.03 FT N22 DEG E157.53 FT S77 DEG E329.94 FT S12 DEG W155 FT TO POB AS OR
Legal Range	23W
Legal Township	03N
Legal Section	06
Legal Subdivision	RIDGELAKE ESTATES
Legal Block	11
Legal Lot Number	2-A
Jurisdiction	OKALOOSA FL
Township / Civil Division	CRESTVIEW
Census Block Group	6
Census Block	6010
Census Tract	20500

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	604 RIDGE LAKE RD, CRESTVIEW, FL 32536-9525
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Apr 2, 2020	Warranty Deed, Transfer · Conventional Mortgage BBVA USA
Apr 2, 2020	Affidavit of Death, Transfer OLD SOUTH LAND TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2020 · Amount on Record
Deed Sale	Apr 2, 2020 · Amount on Record
Prior Sale	Dec 18, 2000 · Amount on Record
Deed Document Number	20203349167
Deed Book / Page	3453 / 3767
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	604 RIDGE LAKE RD, CRESTVIEW, FL 32536-9525
Transaction Type	Mortgage
Record Updated	Sep 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 RIDGE LAKE RD, CRESTVIEW, FL 32536-9525

Mortgage

Document Number	0036382133
Date	Aug 18, 2022
Book Page	3638/2133
Instrument	3572469

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Jul 16, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 2, 2020
Property Address	604 RIDGE LAKE RD, CRESTVIEW, FL 32536-9525
Document Number	0034533767
Book / Page	3453 / 3767
Instrument Date	Mar 27, 2020
Instrument	3349167
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	OLD SOUTH LAND TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,648.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6440 FIELDCREST PL, 6440, LA PLATA, MD 20646-4301

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 RIDGE LAKE RD, CRESTVIEW, FL 32536-9525

Mortgage

Document Number	0034533769
Date	Apr 2, 2020
Instrument	3453/3769

Lender

Name	BBVA USA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

April 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	OKALOOSA FL
Recording Date	Apr 2, 2020
Property Address	604 RIDGE LAKE RD, CRESTVIEW, FL 32536-9525
Document Number	0034533764
Book / Page	003453 / 003764
Instrument Date	Mar 27, 2020
Instrument	3349164
Transaction Type	Transfer
Record Updated	Jun 8, 2020
Title Company	OLD SOUTH LAND TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 RIDGE LAKE RD CRESTVIEW FL 325369525, CRESTVIEW, FL 32536-9525

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	$1,622.00 (+6.57%) Homeowner's exemption	$193,590 (+5.99%)	$243,672 (-6.91%) Land $24,181 Building $219,491
2023	$1,522.00 (+2.56%) Homeowner's exemption	$182,654 (+3%)	$261,756 (+8.2%) Land $20,544 Building $241,212
2022	$1,484.00 Homeowner's exemption	$177,334	$241,919 Land $19,200 Building $222,719

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	4 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 53% of the US · lower than 75% 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 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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