Okaloosa County property record for 103 4th St, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,314 sqft · built 1973 |
| Lot Size | 0.172 acres (7,473 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $209,500 (Oct 2020) |
| Tax Bill | $2,436 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Oct 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-592-6928-2 |
| Primary APN | C56-000-592-6928-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,314 sqft Living Area |
| Gross Area | 1,592 sqft |
| 1st Floor Area | 1,314 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,473 sqft (0.172 acres) |
| Lot Width | 75 ft Width |
| Porch | Finished/Open Porch |
| Porch Area | 110 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 103 4TH ST |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-1105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MEIGS S/D NICEVILLE LOT 8 BLK 5 |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 06 |
| Legal Subdivision | MEIGS S/D |
| Legal Block | 5 |
| Legal Lot Number | 8 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 21101 |
103 4th St is owned and occupied by two individuals who bought it in October 2020.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 103 4TH ST, NICEVILLE, FL 32578-1105 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 19, 2025 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Oct 7, 2020 | Warranty Deed, Transfer · FHA Mortgage INTERLINC MORTGAGE SERVICES LLC |
| Aug 27, 2018 | Deed of Trust, Mortgage · Line of Credit PEOPLES NAT'L BK |
| Aug 21, 2017 | Warranty Deed, Transfer PANHANDLE TITLE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 7, 2020 · Amount on File |
| Deed Sale | Oct 7, 2020 · Amount on File |
| Prior Sale | Aug 21, 2017 · Amount on File |
| Deed Document Number | 20203396773 |
| Deed Book / Page | 3497 / 25 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 103 4TH ST, NICEVILLE, FL 32578-1105 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2025 |
| Name | Verified Name |
|---|---|
| Address | 103 4TH ST, NICEVILLE, FL 32578-1105 |
| Document Number | 0003774109 |
|---|---|
| Date | Sep 19, 2025 |
| Instrument | 3774109 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Oct 7, 2020 |
| Property Address | 103 4TH ST, NICEVILLE, FL 32578-1105 |
| Document Number | 0034970025 |
| Book / Page | 3497 / 25 |
| Map Reference | MB 2 PG 6 |
| Instrument Date | Sep 25, 2020 |
| Instrument | 3396773 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | PANHANDLE TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,466.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1004 GRACEBROOK DR, 1004, SALISBURY, NC 28147-8104 |
| Name | Verified Name |
|---|---|
| Address | 103 4TH ST, NICEVILLE, FL 32578-1105 |
| Document Number | 0000349727 |
|---|---|
| Date | Oct 7, 2020 |
| Instrument | 3497/27 |
| Name | INTERLINC MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 103 4TH ST, NICEVILLE, FL 32578-1105 |
| Document Number | 0033653651 |
| Instrument Date | Aug 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2018 |
| Name | Verified Name |
|---|---|
| Address | 103 4TH ST NICEVILLE FL 325781105, NICEVILLE, FL 32578-1105 |
| Document Number | 0033653651 |
|---|---|
| Date | Aug 31, 2018 |
| Book Page | 003365/003651 |
| Instrument | 3229792 |
| Name | PEOPLES NAT'L BK |
|---|---|
| Type | Bank |
| Address | NICEVILLE, FL 32578 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Aug 30, 2023 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Aug 21, 2017 |
| Property Address | 103 4TH ST, NICEVILLE, FL 32578-1105 |
| Document Number | 0033140289 |
| Book / Page | 003314 / 000289 |
| Instrument Date | Aug 11, 2017 |
| Instrument | 3154984 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2017 |
| Title Company | PANHANDLE TITLE INC |
| Amount | Amount on Record |
|---|---|
| Tax | $875.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 103 4TH ST NICEVILLE FL 325781105, NICEVILLE, FL 32578-1105 |
The 2025 property tax bill for 103 4th St was $2,436.
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 | $2,436.00 | $177,450 Land $63,016 Building $114,434 | $177,450 Land $63,016 Building $114,434 |
| 2023 | $2,273.00 (+8.24%) | $172,807 (+2.59%) Land $53,189 Building $119,618 | $172,807 (+2.59%) Land $53,189 Building $119,618 |
| 2022 | $2,100.00 | $168,437 Land $50,657 Building $117,780 | $168,437 Land $50,657 Building $117,780 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 4th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.
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 |
| Flood Insurance Cost | Premium on File median of 15 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 2016 · other causes |
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 risk around 103 4th St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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 424 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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