104 Elderberry Ln, Niceville, FL 32578 Property Records

Okaloosa County property record for 104 Elderberry Ln, Niceville, FL 32578

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,821 sqft · built 1998
Lot Size	0.158 acres (6,899 sqft)
Owner	2 Individual Names on Record
Last Sale	$368,500 (Dec 2021)
Tax Bill	$4,338 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-592-1425-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-592-1425-4`
Alternative APNs	`05-1S-22-0399-0000-0040` `22S105039900000040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,821 sqft Living Area
Gross Area	2,291 sqft
1st Floor Area	1,821 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	6,899 sqft (0.158 acres)
Garage Type	Attached
Garage Area	440 sqft
Porch	Finished/Open Porch
Porch Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	104 ELDERBERRY LN
City	NICEVILLE
State	FL
Zip	32578-1266
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR RIDGE PH 14 LOT 4
Legal Range	22W
Legal Township	01S
Legal Section	05
Legal Subdivision	CEDAR RIDGE
Legal Phase	14
Legal Block	28
Legal Lot Number	4
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	1
Census Block	1001
Census Tract	21101

Owner

Source: Okaloosa County records, as of August 27, 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	104 ELDERBERRY LN, NICEVILLE, FL 32578-1266
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2021 · Amount on Record
Deed Sale	Dec 6, 2021 · Amount on Record
Prior Sale	Aug 20, 2001 · Amount on Record
Deed Document Number	20213510582
Deed Book / Page	3591 / 2086
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 6, 2021
Property Address	104 ELDERBERRY LN, NICEVILLE, FL 32578-1266
Document Number	0035912086
Book / Page	3591 / 2086
Map Reference	MB 17 PG 56
Instrument Date	Dec 6, 2021
Instrument	3510582
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	NOT AVAILABLE, OLD SOUTH LAND TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,579.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	106 HAZELWOOD DR, 106, HENDERSONVILLE, TN 37075-5332

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 ELDERBERRY LN, NICEVILLE, FL 32578-1266

Mortgage

Document Number	0035912088
Date	Dec 6, 2021
Instrument	3591/2088

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 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	$4,338.00 (+1.95%) Homeowner's exemption	$356,692 (-0.63%) Land $80,488 Building $276,204	$356,692 (-3.68%) Land $80,488 Building $276,204
2023	$4,255.00 (+4.8%) Homeowner's exemption	$358,944 (+3%)	$370,315 (+6.26%) Land $65,106 Building $305,209
2022	$4,060.00 Homeowner's exemption	$348,489 Land $62,006 Building $286,483	$348,489 Land $62,006 Building $286,483

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 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

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.

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 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