651 Panama Dr, Crestview, FL 32536 Property Records

Okaloosa County property record for 651 Panama Dr, Crestview, FL 32536

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,499 sqft · built 2005
Lot Size	0.232 acres (10,120 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Jun 2023)
Tax Bill	$3,040 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-593-0009-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-593-0009-5`
Alternative APNs	`07-3N-23-1311-000E-0040` `23N3071311000E0040`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,499 sqft Living Area
Gross Area	2,155 sqft
1st Floor Area	1,499 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,120 sqft (0.232 acres)
Lot Width	92 ft Width
Garage Type	Attached
Garage Area	460 sqft
Porch	Finished/Open Porch
Porch Area	36 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	651 PANAMA DR
City	CRESTVIEW
State	FL
Zip	32536-2321
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JERNIGAN S/D 2ND ADD LOT 4 & S 5 FT OF LOT 5 BLK E
Legal Range	23W
Legal Township	03N
Legal Section	07
Legal Subdivision	JERNIGAN S/D 2ND ADD
Legal Block	E
Legal Lot Number	40
Jurisdiction	OKALOOSA FL
Township / Civil Division	CRESTVIEW
Census Block Group	2
Census Block	2005
Census Tract	20500

Owner

Source: Okaloosa County records · APN C56-000-593-0009-5

Assessment roll updated December 31, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	651 PANAMA DR, CRESTVIEW, FL 32536-2321
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 30, 2023 · Amount on Record
Deed Sale	Jun 30, 2023 · Amount on Record
Prior Sale	Aug 16, 2005
Deed Document Number	20233633021
Deed Book / Page	3681 / 4019
Prior Transfer Date	Aug 03, 2005
Prior Transfer Doc	0026434821
Record Updated	Jun 08, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 30, 2023
Property Address	651 PANAMA DR, CRESTVIEW, FL 32536-2321
Document Number	0036814019
Book / Page	3681 / 4019
Map Reference	MB 3 PG 26
Instrument Date	Jun 29, 2023
Instrument	3633021
Transaction Type	Transfer
Record Updated	Jul 27, 2023
Title Company	CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9730 COW PAGE CT, TEMPLE, TX 76502-5198

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 PANAMA DR, CRESTVIEW, FL 32536-2321

Mortgage

Document Number	0036814021
Date	Jun 30, 2023
Instrument	3681/4021

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2053

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Municipality	Crestview City
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,040.00 (+4.76%)	$191,518 (-4.58%) Land $25,093 Building $166,425	$191,518 (-4.58%) Land $25,093 Building $166,425
2023	$2,902.00 (+7.8%)	$200,716 (+6.4%) Land $21,319 Building $179,397	$200,716 (+6.4%) Land $21,319 Building $179,397
2022	$2,692.00	$188,635 Land $19,924 Building $168,711	$188,635 Land $19,924 Building $168,711

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 8, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 196 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CRESTVIEW, CITY OF WATER DEPT. serves 34,789 people
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	1 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	2 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.