Okaloosa County property record for 103 Cunningham Ct, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,457 sqft · built 1972 |
| Lot Size | 0.309 acres (13,457 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $255,000 (Jan 2020) |
| Tax Bill | $3,828 (2025) |
| Deeds & Mortgages | May 2017 Mortgage Jan 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-593-0936-9 |
| Primary APN | C56-000-593-0936-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,457 sqft Living Area |
| Gross Area | 3,257 sqft |
| 1st Floor Area | 1,566 sqft |
| Upper Floors Area | 891 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,457 sqft (0.309 acres) |
| Lot Width | 79 ft Width |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Porch | Florida Room |
| Porch Area | 360 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 103 CUNNINGHAM CT |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-2704 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINE LAKE S/D LOT 10 BLK C |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 08 |
| Legal Subdivision | PINE LAKE S/D |
| Legal Block | C |
| Legal Lot Number | 10 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 21101 |
Source: Okaloosa County records, as of October 6, 2026
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 | 103 CUNNINGHAM CT, NICEVILLE, FL 32578-2704 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 30, 2017 | Deed of Trust, Mortgage · VA Mortgage TRUSTMARK NATIONAL BANK |
| Jan 16, 2020 | Warranty Deed, Transfer · Conventional Mortgage USAA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 16, 2020 · Amount on Record |
| Deed Sale | Jan 16, 2020 · Amount on Record |
| Prior Sale | Sep 27, 2007 · Amount on Record |
| Deed Document Number | 20203330898 |
| Deed Book / Page | 3439 / 170 |
| Prior Transfer Date | Feb 23, 2011 |
| Prior Transfer Doc | 0029744541 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 103 CUNNINGHAM CT, NICEVILLE, FL 32578-2704 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0033012554 |
|---|---|
| Date | May 30, 2017 |
| Book Page | 3301/2554 |
| Instrument | 3137873 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | 39255 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2037 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jan 16, 2020 |
| Property Address | 103 CUNNINGHAM CT, NICEVILLE, FL 32578-2704 |
| Document Number | 0034390170 |
| Book / Page | 003439 / 000170 |
| Instrument Date | Jan 10, 2020 |
| Instrument | 3330898 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2020 |
| Title Company | PANHANDLE TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,785.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 103 CUNNINGHAM CT NICEVILLE FL 325782704, NICEVILLE, FL 32578-2704 |
| Document Number | 34390171 |
|---|---|
| Date | Jan 16, 2020 |
| Book Page | 003439/000171 |
| Instrument | 3330899 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 15, 2035 |
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 | $3,828.00 (-2.1%) Homeowner's exemption | $319,539 (+2.54%) | $323,044 (+3.67%) Land $75,757 Building $247,287 |
| 2023 | $3,910.00 (+10.58%) | $311,622 (+6.94%) Land $63,944 Building $247,678 | $311,622 (+6.94%) Land $63,944 Building $247,678 |
| 2022 | $3,536.00 | $291,388 Land $60,899 Building $230,489 | $291,388 Land $60,899 Building $230,489 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 6 (20% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 1 (1995) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 1995 · Hurricane Opal |
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 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% 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 411 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 |
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