Okaloosa County property record for 109 Elderberry Ln, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,596 sqft · built 1999 |
| Lot Size | 0.196 acres (8,553 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $420,000 (Jun 2025) |
| Tax Bill | $4,910 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-592-1430-4 |
| Primary APN | C56-000-592-1430-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,596 sqft Living Area |
| Gross Area | 2,264 sqft |
| 1st Floor Area | 1,596 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 8,553 sqft (0.196 acres) |
| Garage Type | Attached |
| Garage Area | 418 sqft |
| Porch | Florida Room |
| Porch Area | 250 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 109 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 9 |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 05 |
| Legal Subdivision | CEDAR RIDGE |
| Legal Phase | 14 |
| Legal Block | 28 |
| Legal Lot Number | 9 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 21101 |
Source: Okaloosa County records, as of October 12, 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 | 109 ELDERBERRY LN, NICEVILLE, FL 32578-1296 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 27, 2025 · Amount on Record |
| Deed Sale | Jun 27, 2025 · Amount on Record |
| Prior Sale | Sep 17, 2014 · Amount on Record |
| Deed Document Number | 20253761558 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 109 ELDERBERRY LN, NICEVILLE, FL 32578-1296 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034834329 |
|---|---|
| Date | Aug 14, 2020 |
| Book Page | 3483/4329 |
| Instrument | 3382369 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 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 | $4,910.00 (+5.86%) | $357,693 (-4.13%) Land $80,488 Building $277,205 | $357,693 (-4.13%) Land $80,488 Building $277,205 |
| 2023 | $4,638.00 (+9.57%) | $373,094 (+6.02%) Land $65,106 Building $307,988 | $373,094 (+6.02%) Land $65,106 Building $307,988 |
| 2022 | $4,233.00 | $351,902 Land $62,006 Building $289,896 | $351,902 Land $62,006 Building $289,896 |
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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