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Single Family ResidenceResidential
$323,001$133 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $199,900 on Oct 9, 2012

428 SHOAL RIVER DR

CRESTVIEW, FL 32539
4
Beds
3
Baths
2,425 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.33 ac
Lot SizeThe size of the land the home sits on, from county records.
1995
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$323K
$310K low$336K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$199,900 · Oct 9, 2012
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$118,804
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$95,043
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.65%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$204,197
EGLIN FCU · recorded Oct 9, 2012

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,664 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$198,037 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$192,456
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$300,485

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyOkaloosa
Lot (acres)The size of the land the home sits on, from county records.0.33
RoofThe main material covering the roof, such as asphalt shingle or tile.Wood
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Finished
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 108 ft²

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(1)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Shoal River Middle SchoolA-
Middle · Grades 6–8 · 2.7 mi
E
Antioch Elementary SchoolA-
Elementary · Grades KG–5 · 3.2 mi
H
Crestview High SchoolC
High · Grades 9–12 · 6.0 mi

District: Okaloosa County School District

Neighborhood · ZIP 32539These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.74
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.71
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.21

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.31,578
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.182 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$75,675
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$87,974
Average tempThe average temperature here across a full year.67°F
Annual precipHow much rain and melted snow falls here in a typical year.66 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

428 Shoal River Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 71% of homes in Crestview 32539
  • Costs less per square foot than 92% of homes in Okaloosa County
  • Bigger than 87% of homes in Crestview 32539

What homes are worth in Crestview 32539

Each bar is how many homes fall in that price range. The marker is this home.

This home
$95K$511K

This home is worth more than 71% of homes in Crestview 32539.

How it measures up in Crestview 32539

The dot is this home. The mark in the middle is the typical home in Crestview 32539.

Estimated value$323,001
CheaperTypical $272,888Pricier

Pricier than 71% of homes nearby

Price per ft²$133
CheaperTypical $160Pricier

Pricier than 18% of homes nearby

Living area2,425 ft²
SmallerTypical 1,678 ft²Bigger

Bigger than 87% of homes nearby

Lot size0.33 ac
SmallerTypical 0.37 acBigger

Bigger than 44% of homes nearby

Year built1995
OlderTypical 2004Newer

Newer than 36% of homes nearby

How 428 Shoal River Dr ranks against every home in each area.
MeasureThis homeCrestview 32539Okaloosa County
Estimated valuepricier than$323,00171% of homes44% of homes
Price per ft²pricier than$13318% of homes8% of homes
Living areabigger than2,425 ft²87% of homes83% of homes
Lot sizebigger than0.33 ac44% of homes54% of homes
Year builtnewer than199536% of homes57% of homes

About 428 Shoal River Dr

How much is 428 Shoal River Dr, Crestview, FL worth?

The TopHap Estimate for 428 Shoal River Dr, Crestview, FL is $323,001 as of Jul 14, 2026. The likely range is $310,396 to $335,606. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 428 Shoal River Dr, Crestview, FL last sell?

428 Shoal River Dr, Crestview, FL last sold on Oct 9, 2012 for $199,900, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 428 Shoal River Dr, Crestview, FL?

428 Shoal River Dr, Crestview, FL has 4 bedrooms, 3 bathrooms, 2,425 square feet of living space and a 0.33-acre lot.

When was 428 Shoal River Dr, Crestview, FL built?

428 Shoal River Dr, Crestview, FL was built in 1995, making it 31 years old. The building has 2 stories.

What schools serve 428 Shoal River Dr, Crestview, FL?

428 Shoal River Dr, Crestview, FL is assigned to Shoal River Middle School (middle), rated A-; Antioch Elementary School (elementary), rated A-; Crestview High School (high), rated C. All sit in Okaloosa County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 428 Shoal River Dr, Crestview, FL compare to other homes in Crestview 32539?

Among the 13,678 homes in Crestview 32539, it is worth more than 71% of them ($323,001 against a typical $272,888), its price per square foot is higher than 18% of them ($133 against a typical $160), it is bigger than 87% of them (2,425 ft² against a typical 1,678 ft²), its lot is bigger than 44% of them (0.33 ac against a typical 0.37 ac) and it is newer than 36% of them (1995 against a typical 2004). Measured against all of Okaloosa County, it is worth more than 44% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 428 Shoal River Dr, Crestview, FL?

The 2025 property tax bill for 428 Shoal River Dr, Crestview, FL was $1,664. The county assessed it at $198,037.

Closest homes

More homes in Crestview 32539

Assigned schools

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