103 Kelly Rd, Niceville, FL 32578 Property Records

Okaloosa County property record for 103 Kelly Rd, Niceville, FL 32578

Property Summary

Property Type	Commercial Vacant Land
Details	1,400 sqft
Lot Size	0.165 acres (7,220 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Dec 2017)
Tax Bill	$1,391 (2025)
Deeds & Mortgages	Jan 2019 Sale & Line of Credit Dec 2017 Sale
Flood Zone	Zone X (moderate risk)
APN	`C56-000-591-0845-6`

Property Details

APN / Parcel Number

Primary APN	`C56-000-591-0845-6`
Alternative APN	`01-1S-23-0000-0059-0000`

Interior

Building Area	1,400 sqft

Exterior

Lot Area	7,220 sqft (0.165 acres)
Lot Dimensions	95 ft deep x 76 ft wide
Garage Area	400 sqft
Porch	Porch
Porch Area	140 sqft

Location & Zoning

Street Address	103 KELLY RD
City	NICEVILLE
State	FL
Zip	32578-1824
Property Category	Commercial
Property Type	Vacant Land > Commercial
Legal Description	BEG SE COR SW1/4 W 108.5FT * N8 DEG E 101.08FT TO S R/W KELLY RD S74 DEG E ALG R/W 97.37FT S 75.67FT TO POB * BEARING DISCREP
Legal Range	23
Legal Township	01S
Legal Section	01
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	1
Census Block	1030
Census Tract	21200

Owner

103 Kelly Rd, commercial vacant land, is owned by an individual who bought it in December 2017.

Source: Okaloosa County records, as of December 8, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	719 PATFORE LN, NICEVILLE, FL 32578-3764
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2019	Warranty Deed, Transfer · Line of Credit CCB CMNTY BK
Dec 20, 2017	Warranty Deed, Transfer PANHANDLE TITLE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2017 · Amount on File
Deed Sale	Dec 20, 2017 · Amount on File
Deed Document Number	3179010
Deed Book / Page	3330 / 3534
Record Updated	Jun 8, 2026

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 4, 2019
Property Address	103 KELLY RD, NICEVILLE, FL 32578-1824
Document Number	0033803373
Book / Page	003380 / 003373
Instrument Date	Dec 31, 2018
Instrument	3251836
Transaction Type	Transfer
Record Updated	Jan 18, 2019
Title Company	MEAD LAW AND TITLE, MEAD LAW & TITLE

Transaction

Amount	Amount on Record
Tax	$4,235.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10045 VIA GRANDE NAVARRE FL 325661257, NAVARRE, FL 32566-1257

Mortgage

Document Number	33803377
Date	Jan 4, 2019
Book Page	003380/003377
Instrument	3251837

Lender

Name	CCB CMNTY BK
Type	Bank
Address	NICEVILLE, FL 32578

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	33803391,
Date	Jan 4, 2019
Book Page	003380/003391
Instrument	3251839

Lender

Name	JAMES B MCCULLOUGH
Address	59 DERBY DOWNS CIR, NICEVILLE, FL 32578-2749

Agreement

Amount	Amount on Record

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 20, 2017
Property Address	103 KELLY RD, NICEVILLE, FL 32578-1824
Document Number	0033303534
Book / Page	003330 / 003534
Instrument Date	Dec 8, 2017
Instrument	3179010
Transaction Type	Transfer
Record Updated	Jan 4, 2018
Title Company	PANHANDLE TITLE INC

Transaction

Amount	Amount on Record
Tax	$1,435.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	59 DERBY DOWNS CIR NICEVILLE FL 325782749, NICEVILLE, FL 32578-2749

Tax Assessment & Valuation

The 2025 property tax bill for 103 Kelly Rd was $1,391.

Source: Okaloosa County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,391.00	$101,362 Land $101,362	$101,362 Land $101,362
2023	$1,273.00 (+6.53%)	$95,551 (+5%) Land $95,551	$95,551 (+5%) Land $95,551
2022	$1,195.00	$91,001 Land $91,001	$91,001 Land $91,001

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 103 Kelly Rd in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 26 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	26 in force

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

Wildfire risk around 103 Kelly Rd is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 121 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 · Fiber in parts of the area	2,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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