Okaloosa County property record for 109 3rd St, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,757 sqft · built 1954 |
| Lot Size | 0.172 acres (7,495 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $653 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-592-6854-0 |
| Primary APN | C56-000-592-6854-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,757 sqft Living Area |
| Gross Area | 1,935 sqft |
| 1st Floor Area | 1,757 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Shed Roof |
| Roof Material | Metal |
| Lot Area | 7,495 sqft (0.172 acres) |
| Lot Width | 75 ft Width |
| Garage Area | 264 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 65 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 109 3RD ST |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-1115 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MEIGS S/D NICEVILLE LOT 21 BLK 1 |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 06 |
| Legal Subdivision | MEIGS S/D |
| Legal Block | 1 |
| Legal Lot Number | 21 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 21101 |
Source: Okaloosa County records, as of December 31, 2025
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 | 109 3RD ST, NICEVILLE, FL 32578-1115 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | May 21, 2007 |
| Transfer Doc | 0027854665 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 109 3RD ST, NICEVILLE, FL 32578-1115 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 109 3RD ST, NICEVILLE, FL 32578-1115 |
| Document Number | 0035174054 |
|---|---|
| Date | Jan 11, 2021 |
| Book Page | 3517/4054 |
| Instrument | 3421160 |
| Name | NEWREZ LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Nov 1, 2050 |
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 | $653.00 (+12.59%) Homeowner's exemption | $88,267 (+5.99%) | $170,680 (+5.79%) Land $63,016 Building $107,664 |
| 2023 | $580.00 (+6.62%) Homeowner's exemption | $83,281 (+3%) | $161,333 (+5.78%) Land $53,189 Building $108,144 |
| 2022 | $544.00 Homeowner's exemption | $80,855 | $152,513 Land $50,657 Building $101,856 |
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 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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 296 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 | 5,000 / 5,000 |
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: CenturyLink, Spectrum.
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