Okaloosa County property record for 1109 Deer Moss Loop, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,335 sqft · built 2020 |
| Lot Size | 0.263 acres (11,491 sqft) |
| Owner | Individual Name on File |
| Last Sale | $144,000 (Jul 2018) |
| Tax Bill | $9,322 (2025) |
| Deeds & Mortgages | Jun 2023 Second Mortgage Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-001-099-3846-4 |
| Primary APN | C56-001-099-3846-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,335 sqft Heated Area |
| Gross Area | 4,927 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 11,491 sqft (0.263 acres) |
| Garage Type | Finished |
| Garage Area | 835 sqft |
| Porch | Open Porch |
| Porch Area | 650 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1109 DEER MOSS LOOP |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-3428 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HARTFIELD AT DEER MOSS CREEK LOT 45 |
| Legal Range | 22 |
| Legal Township | 01S |
| Legal Section | 11 |
| Legal Subdivision | HARTFIELD AT DEER MOSS CREEK |
| Legal Lot Number | 45 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 20900 |
Source: Okaloosa County records · APN C56-001-099-3846-4
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1109 DEER MOSS LOOP, NICEVILLE, FL 32578-3428 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 08, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Feb 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Nov 27, 2019 | Deed of Trust, Mortgage · Construction Mortgage THE FIRST A NATIONAL BANKING ASSN |
| Jul 24, 2018 | Warranty Deed, Transfer · Commercial Mortgage WHITNEY BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 24, 2018 · Amount on Record |
| Deed Sale | Jul 24, 2018 · Amount on Record |
| Deed Document Number | 3221551 |
| Deed Book / Page | 3360 / 1598 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 1109 DEER MOSS LOOP, NICEVILLE, FL 32578-3428 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1109 DEER MODS LOOP, NICEVILLE, FL 32578-3428 |
| Document Number | 0036783642 |
|---|---|
| Date | Jun 08, 2023 |
| Book Page | 3678/3642 |
| Instrument | 3628613 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jul 01, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 1109 DEER MOSS LOOP, NICEVILLE, FL 32578-3428 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2022 |
| Name | Verified Name |
|---|---|
| Address | 9234 NORTHLAKE PKWY 108, 108, ORLANDO, FL 32827-5720 |
| Document Number | 0035260635 |
|---|---|
| Date | Feb 17, 2021 |
| Book Page | 3526/635 |
| Instrument | 3430553 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 1109 DEER MOSS LOOP, NICEVILLE, FL 32578-3428 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2022 |
| Title Company | FIRST NATIONAL LAND TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0034310808 |
|---|---|
| Date | Nov 27, 2019 |
| Book Page | 3431/0808 |
| Instrument | 3321050 |
| Name | THE FIRST A NATIONAL BANKING ASSN |
|---|---|
| Type | Bank |
| Address | HATTIESBURG, MS 39404 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 24, 2018 |
| Property Address | 1109 DEER MOSS LOOP, NICEVILLE, FL 32578-3428 |
| Document Number | 0033601598 |
| Book / Page | 3360 / 1598 |
| Map Reference | MB28 PG46-51 |
| Instrument Date | Jul 20, 2018 |
| Instrument | 3221551 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1003C JOHN SIMS PKWY E, 1003C, NICEVILLE, FL 32578-2712 |
| Name | Verified Name |
|---|---|
| Address | 14290 SERANOA DR, ORLANDO, FL 32824-7875 |
| Document Number | 0003221552 |
|---|---|
| Date | Jul 24, 2018 |
| Instrument | 3221552 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Niceville City |
| Unified School District | Okaloosa County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,322.00 (+9.37%) Homeowner's exemption | $719,727 (+5.99%) | $775,080 (-1.91%) Land $126,785 Building $648,295 |
| 2023 | $8,523.00 (+4.67%) Homeowner's exemption | $679,071 (+3%) | $790,189 (+6.37%) Land $125,580 Building $664,609 |
| 2022 | $8,143.00 Homeowner's exemption | $659,292 | $742,890 Land $119,600 Building $623,290 |
Source: FEMA National Flood Hazard Layer as of March 8, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Flood Insurance Cost | Premium on Record median of 86 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 86 in force |
| Nearby Flood Claims | 2 (1995–2012) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jun 2012 · other causes |
| Wildfire Risk | Moderate above 51% of the US · lower than 78% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 / 35 |
May also be available: Lumen Technologies, Verizon.
Based on FCC filings for 200 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF NICEVILLE serves 22,243 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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