Okaloosa County property record for 1104 Forest Lake Ter, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,556 sqft · built 1994 |
| Lot Size | 0.164 acres (7,171 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $110,300 (Jul 1999) |
| Tax Bill | $1,204 (2024) |
| Deeds & Mortgages | Oct 2023 Mortgage Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-592-1503-8 |
| Primary APN | C56-000-592-1503-8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,556 sqft Heated Area |
| Gross Area | 2,241 sqft |
| 1st Floor Area | 1,556 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,171 sqft (0.164 acres) |
| Garage Type | Finished |
| Garage Area | 440 sqft |
| Porch | Open Porch |
| Porch Area | 245 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1104 FOREST LAKE TER |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-2110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FOREST LAKE S/D LOT 22 |
| Legal Range | 22 |
| Legal Township | 01S |
| Legal Section | 05 |
| Legal Subdivision | FOREST LAKE S/D |
| Legal Lot Number | 22 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 20900 |
1104 Forest Lake Ter is owned and occupied by two individuals who acquired it in August 2024.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | 2 Co-owners on File |
| Mailing Address | 1104 FOREST LAKE TER, NICEVILLE, FL 32578-2110 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Oct 19, 2023 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jun 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 4 Names on Deed |
|---|---|
| Last Sale | Jul 1, 1999 · Amount on File |
| Deed Sale | Jul 1, 1999 · Amount on File |
| Deed Document Number | 0022150902 |
| Deed Book / Page | 051S2 |
| Last Transfer Date | Aug 1, 2024 |
| Transfer Doc | 0003702895 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 1104 FOREST LAKE TER, NICEVILLE, FL 32578-2110 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1104 FOREST LAKE TER, NICEVILLE, FL 32578-2110 |
| Document Number | 0003653019 |
|---|---|
| Date | Oct 19, 2023 |
| Instrument | 3653019 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 332 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 1104 FOREST LAKE TER, NICEVILLE, FL 32578-2110 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1104 FOREST LAKE TER, NICEVILLE, FL 32578-2110 |
| Document Number | 0035501980 |
|---|---|
| Date | Jun 1, 2021 |
| Book Page | 3550/1980 |
| Instrument | 3459685 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 1, 2041 |
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 | $139,813 | $284,882 Land $91,846 Building $193,036 | |
| 2024 | $1,204.00 (+3.61%) | ||
| 2023 | $1,162.00 (+5.73%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $131,916 (+3%) | $269,945 (+5.88%) Land $77,524 Building $192,421 |
| 2022 | $1,099.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $128,074 | $254,963 Land $73,832 Building $181,131 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1104 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 1104 Forest Lake Ter is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 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 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures