6391 Lumber Ridge Rd, Crestview, FL 32539 Property Records

Okaloosa County property record for 6391 Lumber Ridge Rd, Crestview, FL 32539

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,107 sqft · built 2000
Lot Size	5.16 acres (224,770 sqft)
Owner	2 Individual Names on Record
Last Sale	$342,000 (Feb 2022)
Tax Bill	$1,427 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Jan 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-596-6335-1`

Property Details

APN / Parcel Number

Primary APN	`C56-000-596-6335-1`
Alternative APNs	`24-4N-22-0000-0004-0010` `22N424000000040010`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,107 sqft Living Area
Gross Area	1,694 sqft
1st Floor Area	1,107 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	224,770 sqft (5.16 acres)
Porch	Screened/Unfinished Porch
Porch Area	587 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6391 LUMBER RIDGE RD
City	CRESTVIEW
State	FL
Zip	32539-6648
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM NW COR E50 FT TO E R/W ST RD 393 AND POB E750 FT S300 FT W750 FT N300 FT TO POB
Legal Range	22W
Legal Township	04N
Legal Section	24
Legal Block	4
Legal Lot Number	10
Jurisdiction	OKALOOSA FL
Township / Civil Division	LAUREL HILL
Census Block Group	1
Census Block	1133
Census Tract	20200

Owner

Source: Okaloosa County records, as of December 31, 2025

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	6391 LUMBER RIDGE RD, CRESTVIEW, FL 32539-6648
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2022	Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
Jan 14, 2019	Warranty Deed, Transfer ALLEN L JR & JEFFREY J SPERRY
Jun 5, 2019	Quit Claim Deed, Transfer PRATT AYCOCK TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2022 · Amount on Record
Deed Sale	Feb 28, 2022 · Amount on Record
Prior Sale	Jan 14, 2019 · Amount on Record
Deed Document Number	20223530258
Deed Book / Page	3606 / 4755
Prior Transfer Date	Dec 27, 2018
Prior Transfer Doc	0034020758
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 28, 2022
Property Address	6391 LUMBER RIDGE RD, CRESTVIEW, FL 32539-6648
Document Number	0036064755
Book / Page	3606 / 4755
Instrument Date	Feb 11, 2022
Instrument	3530258
Transaction Type	Transfer
Record Updated	Mar 23, 2022
Title Company	MOULTON LAND TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,394.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	112 DOGWOOD LN, 112, CRESTVIEW, FL 32536-9382

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1734, EGLIN AFB, FL 32542-0734

Mortgage

Document Number	0036064757
Date	Feb 28, 2022
Instrument	3606/4757

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Mar 1, 2032

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 14, 2019
Property Address	6391 LUMBER RIDGE RD, CRESTVIEW, FL 32539-6648
Document Number	0033812650
Book / Page	003381 / 002650
Instrument Date	Dec 27, 2018
Instrument	3253095
Transaction Type	Transfer
Record Updated	Jan 29, 2019
Title Company	PRATT AYCOCK TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$980.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6391 LUMBER RIDGE RD CRESTVIEW FL 325396648, CRESTVIEW, FL 32539-6648

Mortgage

Document Number	33812654
Date	Jan 14, 2019
Book Page	003381/002654
Instrument	3253096

Lender

Name	ALLEN L JR & JEFFREY J SPERRY
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jan 13, 2029

Interest

Rate	18%

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 5, 2019
Property Address	6391 LUMBER RIDGE RD, CRESTVIEW, FL 32539-6648
Document Number	0034020758
Book / Page	003402 / 000758
Instrument Date	Dec 27, 2018
Instrument	3282040
Transaction Type	Transfer
Record Updated	Jul 1, 2019
Title Company	PRATT AYCOCK TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6391 LUMBER RIDGE RD CRESTVIEW FL 325396648, CRESTVIEW, FL 32539-6648

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	$1,427.00 (+3.78%) Homeowner's exemption Veteran's exemption	$179,811 (+4.27%)	$185,358 (+7.49%) Land $50,657 Building $134,701
2023	$1,375.00 (+41.03%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$172,442 (+38.13%) Land $43,038 Building $129,404	$172,442 (+8.16%) Land $43,038 Building $129,404
2022	$975.00 Homeowner's exemption	$124,837	$159,432 Land $40,223 Building $119,209

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	2 in force
Nearby Flood Claims	6 (1998–2009)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Mar 2009 · Severe Storms, Flooding, Tornadoes, And Straight-line Winds
Claims by Event	Severe Storms, Flooding, Tornadoes, And Straight-line Winds, Mar 2009 · 2 claims Hurricane Georges, Sep 1998 · 3 claims

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 62% of the US · lower than 63% of Florida
Wildfire Likelihood	0.2% 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Starlink Satellite	280 / 30

May also be available: Wildstar Networks.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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