104 Harding Rd, Niceville, FL 32578 Property Records

Okaloosa County property record for 104 Harding Rd, Niceville, FL 32578

Property Summary

Property Type	Mobile Home
Details	2 bd · 2 ba · 1,200 sqft · built 1973
Lot Size	0.309 acres (13,494 sqft)
Owner	Individual Name on File
Last Sale	$112,000 (Mar 2023)
Tax Bill	$1,282 (2025)
Deeds & Mortgages	Mar 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`C56-000-595-3527-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-595-3527-8`
Alternative APN	`17-1S-22-1850-0002-0070`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,200 sqft Heated Area
Gross Area	1,740 sqft
1st Floor Area	1,200 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Architectural Style	Mobile/Manufactured
Exterior Material	Metal
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	13,494 sqft (0.309 acres)
Lot Width	75 ft Width
Porch	Open Porch
Porch Area	540 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	104 HARDING RD
City	NICEVILLE
State	FL
Zip	32578-3342
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	OAKGROVE S/D LOT 7 BLK 2
Legal Range	22
Legal Township	01S
Legal Section	17
Legal Subdivision	OAKGROVE S/D
Legal Block	2
Legal Lot Number	7
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	4
Census Block	4060
Census Tract	21102

Owner

104 Harding Rd, a mobile home, is owned and occupied by an individual who bought it in March 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	10411 INDIAN WALK RD, JACKSONVILLE, FL 32257-6308
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2023 · Amount on File
Deed Sale	Mar 9, 2023 · Amount on File
Deed Document Number	3610507
Deed Book / Page	3665 / 2245
Record Updated	Jun 8, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 9, 2023
Property Address	104 HARDING RD, NICEVILLE, FL 32578-3342
Document Number	0036652245
Book / Page	3665 / 2245
Map Reference	MB 2 PG 40
Instrument Date	Mar 8, 2023
Instrument	3610507
Transaction Type	Transfer
Record Updated	Mar 29, 2023
Title Company	NOT AVAILABLE, BRADLEY TITLE LLC

Transaction

Amount	Amount on Record
Tax	$784.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	811 VALPARAISO BLVD, NICEVILLE, FL 32578-3406

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10411 INDIAN WALK RD, JACKSONVILLE, FL 32257-6308

Tax Assessment & Valuation

The 2025 property tax bill for 104 Harding Rd was $1,282.

Source: Okaloosa County assessment roll, as of July 1, 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	$1,282.00	$99,264 Land $72,719 Building $26,545	$99,264 Land $72,719 Building $26,545
2023	$1,151.00	$88,336 (+260.57%) Land $70,587 Building $17,749	$88,336 (+37.29%) Land $70,587 Building $17,749
2022	Homeowner's exemption	$24,499	$64,342 Land $53,781 Building $10,561

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 104 Harding Rd in Zone X, an area of minimal flood risk, though there have been 168 flood claims nearby since 1991.

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 329 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	329 in force
Nearby Flood Claims	168 (1991–2021)
Claims Outside the SFHA	36 of 168
Most Recent Claim	Sep 2021 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 17 claims Hurricane Frances, Sep 2004 · 54 claims Hurricane Opal, Oct 1995 · 60 claims

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 104 Harding Rd is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% 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 419 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20