Okaloosa County property record for 1010 Judith Ave, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,282 sqft · built 2025 |
| Lot Size | 0.435 acres (18,948 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $569,000 (Oct 2025) |
| Tax Bill | $841 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage May 2025 Construction Loan + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-592-9306-8 |
| Primary APN | C56-000-592-9306-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,282 sqft Living Area |
| Gross Area | 3,115 sqft |
| 1st Floor Area | 1,662 sqft |
| Flooring | Wood |
| Interior Walls | Paneling |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 18,948 sqft (0.435 acres) |
| Lot Width | 175 ft Width |
| Garage Type | Attached |
| Garage Area | 534 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 12 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 1010 JUDITH AVE |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-3017 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GREY MOSS POINT S/D BEG NE COR LOT 12 BLK 2 S 114FT W 144.95FT N 21.78FT N 60 DEG E 170.11FT TO POB |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 07 |
| Legal Subdivision | GREY MOSS POINT S/D |
| Legal Block | 2 |
| Legal Lot Number | 12 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 21102 |
Source: Okaloosa County records, as of August 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 1011 JUDITH AVE, NICEVILLE, FL 32578-3016 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Jul 31, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LEADER BANK NA |
| May 8, 2025 | Deed of Trust, Mortgage · Construction Mortgage FNBT BANK |
| Oct 1, 2025 | Warranty Deed, Transfer MEAD LAW AND TITLE, MEAD LAW & TITLE |
| Sep 19, 2025 | Warranty Deed, Transfer MEAD LAW AND TITLE, MEAD LAW & TITLE |
| Aug 19, 2022 | Deed, Transfer MEAD LAW AND TITLE, MEAD LAW & TITLE PLLC |
| Jun 21, 2022 | Warranty Deed, Transfer UNKNOWN, DEFENDER T&E AGCY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 2025 · Amount on Record |
| Deed Sale | Oct 1, 2025 · Amount on Record |
| Prior Sale | Sep 19, 2025 · Amount on Record |
| Deed Document Number | 20253775657 |
| Prior Transfer Date | Apr 15, 2025 |
| Prior Transfer Doc | 0003748506 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 31, 2026 |
| Property Address | 1010 JUDITH AVE, NICEVILLE, FL 32578-3017 |
| Document Number | 0003830646 |
| Instrument Date | Jul 27, 2026 |
| Instrument | 20263830646 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1010 JUDITH AVE, NICEVILLE, FL 32578-3017 |
| Investor | Possibly a Property Investor |
| Document Number | 0003830646, |
|---|---|
| Date | Jul 31, 2026 |
| Instrument | 20263830646 |
| Name | LEADER BANK NA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 1010 JUDITH AVE, NICEVILLE, FL 32578-3017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 1576 GREENWOOD RD, BAKER, FL 32531-8460 |
| Investor | Possibly a Property Investor |
| Document Number | 0003752841 |
|---|---|
| Date | May 8, 2025 |
| Instrument | 3752841 |
| Name | FNBT BANK |
|---|---|
| Type | Bank |
| Address | FORT WALTON BEACH, FL 32548 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Oct 1, 2025 |
| Property Address | 1010 JUDITH AVE, NICEVILLE, FL 32578-3017 |
| Document Number | 0003775657 |
| Instrument Date | Sep 30, 2025 |
| Instrument | 3775657 |
| Transaction Type | Transfer |
| Record Updated | Dec 9, 2025 |
| Title Company | MEAD LAW AND TITLE, MEAD LAW & TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,983.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 686, BAKER, FL 32531-0686 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1011 JUDITH AVE, NICEVILLE, FL 32578-3016 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 19, 2025 |
| Property Address | 1010 JUDITH AVE, NICEVILLE, FL 32578-3017 |
| Document Number | 0003773992 |
| Instrument Date | Sep 17, 2025 |
| Instrument | 3773992 |
| Transaction Type | Transfer |
| Record Updated | Dec 9, 2025 |
| Title Company | MEAD LAW AND TITLE, MEAD LAW & TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $4,199.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 686, BAKER, FL 32531-0686 |
| Name | Verified Name |
|---|---|
| Address | 1010 JUDITH AVE, NICEVILLE, FL 32578-3017 |
| Investor | Possibly a Property Investor |
| Document Type | Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Aug 19, 2022 |
| Property Address | 1010 JUDITH AVE, NICEVILLE, FL 32578-3017 |
| Document Number | 0036383349 |
| Book / Page | 3638 / 3349 |
| Map Reference | MB 2 PG 5 |
| Instrument Date | Aug 15, 2022 |
| Instrument | 3572812 |
| Transaction Type | Transfer |
| Record Updated | Dec 9, 2025 |
| Title Company | MEAD LAW AND TITLE, MEAD LAW & TITLE PLLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,400.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 158 EGLIN PKWY NE, FORT WALTON BEACH, FL 32548-4402 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 686, BAKER, FL 32531-0686 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 21, 2022 |
| Property Address | 1010 JUDITH AVE, NICEVILLE, FL 32578-3017 |
| Document Number | 0036283203 |
| Book / Page | 3628 / 3203 |
| Map Reference | MB 2 PG 5 |
| Instrument Date | Jun 17, 2022 |
| Instrument | 3558863 |
| Transaction Type | Transfer |
| Record Updated | Dec 9, 2025 |
| Title Company | UNKNOWN, DEFENDER T&E AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,120.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1720 CROOM DR, MONTGOMERY, AL 36106-2626 |
| Name | Verified Name |
|---|---|
| Address | 16 SHERWOOD RD NW, FORT WALTON BEACH, FL 32547-1635 |
| Investor | Possibly a Property Investor |
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Niceville City |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $841.00 (-24.03%) | $81,094 (-3.16%) Land $77,344 Building $3,750 | $81,094 (-3.16%) Land $77,344 Building $3,750 |
| 2024 | $1,107.00 (-49.24%) | $83,737 (-48.83%) Land $79,124 Building $4,613 | $83,737 (-48.83%) Land $79,124 Building $4,613 |
| 2023 | $2,181.00 (-11.95%) | $163,649 (-20.66%) Land $78,340 Building $85,309 | $163,649 (-20.66%) Land $78,340 Building $85,309 |
| 2022 | $2,477.00 | $206,269 Land $74,610 Building $131,659 | $206,269 Land $74,610 Building $131,659 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 66 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 66 in force |
| Nearby Flood Claims | 25 (1994–2020) |
| Claims Outside the SFHA | 13 of 25 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF NICEVILLE serves 22,243 people · EPA ID FL1460147 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | 5 ppb (2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 345 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures