Okaloosa County property record for 105 Elderberry Ln, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,253 sqft · built 1998 |
| Lot Size | 0.147 acres (6,420 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $365,000 (Jun 2021) |
| Tax Bill | $4,871 (2025) |
| Deeds & Mortgages | Jun 2021 Sale Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-592-1426-2 |
| Primary APN | C56-000-592-1426-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,253 sqft Living Area |
| Gross Area | 2,845 sqft |
| 1st Floor Area | 1,519 sqft |
| Upper Floors Area | 472 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 6,420 sqft (0.147 acres) |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 320 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 105 ELDERBERRY LN |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-1296 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CEDAR RIDGE PH 14 LOT 5 |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 05 |
| Legal Subdivision | CEDAR RIDGE |
| Legal Phase | 14 |
| Legal Block | 28 |
| Legal Lot Number | 5 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 21101 |
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 | 105 ELDERBERRY LN, NICEVILLE, FL 32578-1296 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 7, 2021 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Sep 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Jun 9, 2017 | Warranty Deed, Transfer · Conventional with PMI NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 7, 2021 · Amount on Record |
| Deed Sale | Jun 7, 2021 · Amount on Record |
| Prior Sale | Jun 9, 2017 · Amount on Record |
| Deed Document Number | 20213461586 |
| Deed Book / Page | 3552 / 49 |
| Prior Transfer Date | Nov 16, 2004 |
| Prior Transfer Doc | 0002172049 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 7, 2021 |
| Property Address | 105 ELDERBERRY LN, NICEVILLE, FL 32578-1296 |
| Document Number | 0035520049 |
| Book / Page | 3552 / 49 |
| Map Reference | MB 17 PG 56 |
| Instrument Date | Jun 7, 2021 |
| Instrument | 3461586 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,555.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5805 PARKER RD E, 5805, SUMNER, WA 98390-3039 |
| Name | Verified Name |
|---|---|
| Address | 105 ELDERBERRY LN, NICEVILLE, FL 32578-1296 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 105 ELDERBERRY LN, NICEVILLE, FL 32578-1296 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 105 ELDERBERRY LN, NICEVILLE, FL 32578-1296 |
| Document Number | 0034931701 |
|---|---|
| Date | Sep 22, 2020 |
| Book Page | 3493/1701 |
| Instrument | 3392491 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 9, 2017 |
| Property Address | 105 ELDERBERRY LN, NICEVILLE, FL 32578-1296 |
| Document Number | 0033031027 |
| Book / Page | 003303 / 001027 |
| Instrument Date | Jun 8, 2017 |
| Instrument | 3140018 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,834.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1717 UNION AVE NICEVILLE FL 325783634, NICEVILLE, FL 32578-3634 |
| Document Number | 33031028 |
|---|---|
| Date | Jun 9, 2017 |
| Book Page | 003303/001028 |
| Instrument | 3140019 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 8, 2047 |
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 | $4,871.00 (+9.19%) Homeowner's exemption | $395,470 (+5.64%) Land $80,488 Building $314,982 | $395,470 (+2.5%) Land $80,488 Building $314,982 |
| 2023 | $4,461.00 (+4.82%) Homeowner's exemption | $374,357 (+3%) | $385,836 (+6.16%) Land $65,106 Building $320,730 |
| 2022 | $4,256.00 Homeowner's exemption | $363,453 Land $62,006 Building $301,447 | $363,453 Land $62,006 Building $301,447 |
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 |
| 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.
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 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 |
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