Okaloosa County property record for 1102 Phyllis Ave, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,538 sqft · built 1985 |
| Lot Size | 0.258 acres (11,241 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $400,000 (Jul 2026) |
| Tax Bill | $3,214 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-593-0942-7 |
| Primary APN | C56-000-593-0942-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,538 sqft Living Area |
| Gross Area | 2,208 sqft |
| 1st Floor Area | 1,538 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 11,241 sqft (0.258 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Porch | Florida Room |
| Porch Area | 208 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 1102 PHYLLIS AVE |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-3251 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINE FOREST S/D LOT 2 |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 08 |
| Legal Subdivision | PINE FOREST S/D |
| Legal Lot Number | 2 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 21101 |
1102 Phyllis Ave is owned and occupied by two individuals who bought it in July 2026.
Source: Okaloosa County records, as of July 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1102 PHYLLIS AVE, NICEVILLE, FL 32578-3251 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 8, 2026 | Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC |
| Aug 31, 2021 | Warranty Deed, Transfer · VA Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 8, 2026 · Amount on File |
| Deed Sale | Jul 8, 2026 · Amount on File |
| Prior Sale | Aug 31, 2021 · Amount on File |
| Deed Document Number | 20263826561 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 8, 2026 |
| Property Address | 1102 PHYLLIS AVE, NICEVILLE, FL 32578-3251 |
| Document Number | 0003826561 |
| Instrument Date | Jul 2, 2026 |
| Instrument | 20263826561 |
| Transaction Type | Transfer |
| Record Updated | Jul 17, 2026 |
| Title Company | OLD SOUTH LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $282,800.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1102 PHYLLIS AVE, NICEVILLE, FL 32578-3251 |
| Document Number | 0003826562, |
|---|---|
| Date | Jul 8, 2026 |
| Instrument | 20263826562 |
| Name | MORTGAGE CENTER LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Aug 31, 2021 |
| Property Address | 1102 PHYLLIS AVE, NICEVILLE, FL 32578-3251 |
| Document Number | 0035702859 |
| Book / Page | 3570 / 2859 |
| Map Reference | MB 8 PG 88 |
| Instrument Date | Aug 25, 2021 |
| Instrument | 3484783 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,275.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1024 CHRISTY DR, 1024, NICEVILLE, FL 32578-3033 |
| Name | Verified Name |
|---|---|
| Address | 31260 SARATOGA AVE, WARREN, MI 48093-1668 |
| Document Number | 0035702861 |
|---|---|
| Date | Aug 31, 2021 |
| Instrument | 3570/2861 |
| Name | HIGHLANDS RESIDENTIAL MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
The 2025 property tax bill for 1102 Phyllis Ave was $3,214 with a homeowner's exemption.
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 | $3,214.00 Homeowner's exemption | $274,776 | $278,421 Land $70,247 Building $208,174 |
| 2023 | $2,933.00 (+4.94%) Homeowner's exemption | $259,782 (+3%) | $267,717 (+6.15%) Land $59,293 Building $208,424 |
| 2022 | $2,795.00 Homeowner's exemption | $252,216 Land $56,470 Building $195,746 | $252,216 Land $56,470 Building $195,746 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1102 Phyllis Ave 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 Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 1 (1995) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 1995 · Hurricane Opal |
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 1102 Phyllis Ave is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% 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 411 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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