Okaloosa County property record for 1086 Forest Lake Ter, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,310 sqft · built 1996 |
| Lot Size | 0.226 acres (9,851 sqft) |
| Owner | Owner Name on File |
| Last Sale | $131,000 (Aug 1996) |
| Tax Bill | $1,932 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-592-1494-0 |
| Primary APN | C56-000-592-1494-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,310 sqft Heated Area |
| Gross Area | 3,280 sqft |
| 1st Floor Area | 1,712 sqft |
| Basement Area | 748 sqft |
| Finished Basement | 748 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 9,851 sqft (0.226 acres) |
| Garage Type | Finished |
| Garage Area | 400 sqft |
| Porch | Open Porch |
| Porch Area | 420 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1086 FOREST LAKE TER |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-2137 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FOREST LAKE S/D LOT 13 |
| Legal Range | 22 |
| Legal Township | 01S |
| Legal Section | 05 |
| Legal Subdivision | FOREST LAKE S/D |
| Legal Lot Number | 13 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 20900 |
The current owner of 1086 Forest Lake Ter acquired it in August 1996.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 1086 FOREST LAKE TER, NICEVILLE, FL 32578-2137 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 5, 1996 · Amount on File |
| Deed Sale | Aug 5, 1996 · Amount on File |
| Deed Document Number | 0002015458 |
| Deed Book / Page | 2015 / 458 |
| Last Transfer Date | Aug 6, 1996 |
| Transfer Doc | 0020150458 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 1086 Forest Lake Ter was $1,932 with a homeowner's exemption.
Source: Okaloosa County assessment roll, as of July 1, 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 | $1,932.00 Homeowner's exemption | $181,439 | $369,684 Land $96,680 Building $273,004 |
| 2023 | $1,752.00 (+5.23%) Homeowner's exemption | $171,190 (+3%) | $355,378 (+11.13%) Land $81,604 Building $273,774 |
| 2022 | $1,665.00 Homeowner's exemption | $166,204 | $319,800 Land $62,175 Building $257,625 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1086 Forest Lake Ter in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1995.
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 15 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 4 (1995–2004) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Sep 2004 · Hurricane Frances |
| Claims by Event |
|
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 risk around 1086 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 Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 283 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 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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