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1083 Forest Lake Ter, Niceville, FL 32578 Property Records

Okaloosa County property record for 1083 Forest Lake Ter, Niceville, FL 32578

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,620 sqft · built 1995
Lot Size0.224 acres (9,777 sqft)
OwnerIndividual Name on File
Tax Bill$1,283 (2025)
Deeds & MortgagesSep 2021 Mortgage
Jun 2020 Transfer
Flood ZoneZone X (minimal risk)
APNC56-000-592-1492-4

Property Details

APN / Parcel Number

Primary APNC56-000-592-1492-4
Alternative APNs
  • 05-1S-22-0950-0000-0110
  • 22S105095000000110

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,620 sqft Living Area
Gross Area2,085 sqft
1st Floor Area1,620 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1995
Effective Year BuiltEffective 1995
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialWood
Lot Area9,777 sqft (0.224 acres)
Garage TypeAttached
Garage Area441 sqft
PorchFinished/Open Porch
Porch Area24 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address1083 FOREST LAKE TER
CityNICEVILLE
StateFL
Zip32578-2125
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionFOREST LAKE S/D LOT 11
Legal Range22W
Legal Township01S
Legal Section05
Legal SubdivisionFOREST LAKE S/D
Legal Lot Number11
JurisdictionOKALOOSA FL
Township / Civil DivisionNICEVILLE-VALPARAISO
Census Block Group3
Census Block3007
Census Tract20900

Owner

1083 Forest Lake Ter is owned and occupied by an individual who acquired it in May 2020.

Source: Okaloosa County records, as of December 31, 2025

Owner of RecordIndividual Name on File
Mailing Address1083 FOREST LAKE TER, NICEVILLE, FL 32578-2125
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Sep 20, 2021Deed of Trust, Mortgage · Conventional Mortgage
GUARANTEED RATE INC
Jun 15, 2020Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed NamesName on Deed
Last Transfer DateMay 12, 2020
Transfer Doc0034684788
Record UpdatedSep 20, 2026

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address1083 FOREST LAKE TER, NICEVILLE, FL 32578-2125
Transaction TypeMortgage
Record UpdatedOct 8, 2021
Title CompanyBRADLEY TITLE CORPORATION, BRADLEY TITLE CORP

Transferred To (Grantee/Buyer)

NameVerified Name
Address1083 FOREST LAKE TER, NICEVILLE, FL 32578-2125

Mortgage

Document Number0035750779
DateSep 20, 2021
Book Page3575/779
Instrument3490090
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
AddressCHICAGO, IL 60613
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueOct 1, 2051

June 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOKALOOSA FL
Recording DateJun 15, 2020
Property Address1083 FOREST LAKE TER, NICEVILLE, FL 32578-2125
Document Number0034684788
Book / Page003468 / 004788
Instrument DateMay 12, 2020
Instrument3365679
Transaction TypeTransfer
Record UpdatedAug 6, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address1083 FOREST LAKE TER NICEVILLE FL 325782125, NICEVILLE, FL 32578-2125

Tax Assessment & Valuation

The 2025 property tax bill for 1083 Forest Lake Ter was $1,283 with a homeowner's exemption.

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

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
MunicipalityNiceville City
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,283.00 Homeowner's exemption$134,173$273,453 Land $82,178 Building $191,275
2023$1,158.00 (+5.56%) Homeowner's exemption$126,594 (+3%)$255,611 (+5.88%) Land $69,364 Building $186,247
2022$1,097.00 Homeowner's exemption$122,907$241,426 Land $66,061 Building $175,365

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

Flood

FEMA maps place 1083 Forest Lake Ter in Zone X, an area of minimal 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 15 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies15 in force
Nearby Flood Claims4 (1995–2004)
Claims Outside the SFHA4 of 4
Most Recent ClaimSep 2004 · Hurricane Frances
Claims by Event
  • Hurricane Opal, Oct 1995 · 3 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 1083 Forest Lake Ter is low, with a 0.02% annual chance of wildfire.

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

Wildfire RiskLow
lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood0.02% annual chance
ExposureDirect
burnable vegetation

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 SystemCITY OF NICEVILLE
serves 22,243 people · EPA ID FL1460147
Water SourceGroundwater
Last State InspectionOct 2025
Lead5 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 283 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
LiveOak Fiber
Fiber		5,000 / 5,000
AT&T
Fiber · Fixed Wireless		5,000 / 5,000
Cox Communications
Cable		2,000 / 100
Verizon
Fixed Wireless		300 / 20

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