103 Summit Ct, Niceville, FL 32578 Property Records

Okaloosa County property record for 103 Summit Ct, Niceville, FL 32578

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,230 sqft · built 1986
Lot Size	0.109 acres (4,749 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Feb 2025)
Tax Bill	$3,255 (2025)
Deeds & Mortgages	Feb 2025 Sale & Mortgage Jul 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-596-3510-2`

Property Details

APN / Parcel Number

Primary APN	`C56-000-596-3510-2`
Alternative APNs	`23-1S-22-474A-000C-0020` `22S123474A000C0020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,230 sqft Living Area
Gross Area	1,669 sqft
1st Floor Area	1,230 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	4,749 sqft (0.109 acres)
Garage Type	Attached
Garage Area	399 sqft
Porch	Finished/Open Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	103 SUMMIT CT
City	NICEVILLE
State	FL
Zip	32578-9787
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLUE PINE VILLAGE PH I LOT 2 BLK C
Legal Range	22W
Legal Township	01S
Legal Section	23
Legal Subdivision	BLUE PINE VILLAGE
Legal Phase	1
Legal Block	C
Legal Lot Number	2
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	2
Census Block	2013
Census Tract	21002

Owner

Source: Okaloosa County records, as of December 31, 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	2 Individual Names on Record
Mailing Address	4557 CASTLEWOOD LN, NICEVILLE, FL 32578-8799
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2025	Warranty Deed, Transfer · Conventional Mortgage EGLIN FCU
Jul 22, 2020	Warranty Deed, Transfer BRIGHT LIGHT LAND TITLE COMPANY LLC, BRIGHT LIGHT LAND TITLE CO LLC
Apr 7, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2025 · Amount on Record
Deed Sale	Feb 18, 2025 · Amount on Record
Prior Sale	Jul 22, 2020 · Amount on Record
Deed Document Number	20253737945
Prior Transfer Date	Oct 2, 2013
Prior Transfer Doc	0031193800
Record Updated	Jun 8, 2026

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 18, 2025
Property Address	103 SUMMIT CT, NICEVILLE, FL 32578-9787
Document Number	0003737945
Map Reference	MB 9 PG 5
Instrument Date	Feb 12, 2025
Instrument	3737945
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	UNKNOWN, BRADLEY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	103 WINDLAKE CT, NICEVILLE, FL 32578-4805

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4557 CASTLEWOOD LN, NICEVILLE, FL 32578-8799
Investor	Possibly a Property Investor

Mortgage

Document Number	0003737946
Date	Feb 18, 2025
Instrument	3737946

Lender

Name	EGLIN FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2055

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 22, 2020
Property Address	103 SUMMIT CT, NICEVILLE, FL 32578-9787
Document Number	0034771037
Book / Page	003477 / 001037
Instrument Date	Jul 10, 2020
Instrument	3375133
Transaction Type	Transfer
Record Updated	Aug 24, 2020
Title Company	BRIGHT LIGHT LAND TITLE COMPANY LLC, BRIGHT LIGHT LAND TITLE CO LLC

Transaction

Amount	Amount Recorded
Tax	$1,338.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	103 WINDLAKE CT NICEVILLE FL 325784805, NICEVILLE, FL 32578-4805

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 7, 2020
Property Address	103 SUMMIT CT, NICEVILLE, FL 32578-9787
Document Number	0034543827
Book / Page	003454 / 003827
Instrument Date	Mar 31, 2020
Instrument	3350226
Transaction Type	Transfer
Record Updated	Jun 11, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 SUMMIT CT NICEVILLE FL 325789787, NICEVILLE, FL 32578-9787

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,255.00 (+22.18%)	$300,448 (+29.07%) Land $100,722 Building $199,726	$300,448 (+29.07%) Land $100,722 Building $199,726
2023	$2,664.00 (+6.99%)	$232,777 (+5.9%) Land $81,474 Building $151,303	$232,777 (+5.9%) Land $81,474 Building $151,303
2022	$2,490.00	$219,809 Land $77,594 Building $142,215	$219,809 Land $77,594 Building $142,215

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 Record median of 33 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2020 · Hurricane Sally

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

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

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within 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	OKALOOSA COUNTY BLUEWATER BAY-RAINTREE serves 17,592 people · EPA ID FL1460775
Water Source	Groundwater
Last State Inspection	May 2023
Lead	2 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 297 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 / 35

May also be available: T-Mobile.

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