1117 Deer Moss Loop, Niceville, FL 32578 Property Records

Okaloosa County property record for 1117 Deer Moss Loop, Niceville, FL 32578

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 3,106 sqft · built 2022
Lot Size	0.152 acres (6,643 sqft)
Owner	Individual Name on Record
Last Sale	$935,000 (May 2023)
Tax Bill	$9,140 (2025)
Deeds & Mortgages	Nov 2021 Construction Loan May 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-001-099-3843-1`

Property Details

APN / Parcel Number

Primary APN	`C56-001-099-3843-1`
Alternative APN	`11-1S-22-2001-0000-0420`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	3,106 sqft Heated Area
Gross Area	4,145 sqft
Flooring	Concrete/Cement
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	6,643 sqft (0.152 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1117 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 42
Legal Range	22
Legal Township	01S
Legal Section	11
Legal Subdivision	HARTFIELD AT DEER MOSS CREEK
Legal Lot Number	42
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	2
Census Block	2001
Census Tract	20900

Owner

Source: Okaloosa County records, as of December 8, 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 Record
Co-owner	Co-owner on Record
Mailing Address	1117 DEER MOSS LOOP, NICEVILLE, FL 32578-3428
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2021	Deed of Trust, Mortgage · Construction Mortgage FNBT BANK
May 12, 2023	Warranty Deed, Transfer · VA Mortgage CENTENNIAL BANK
Aug 27, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2023 · Amount on Record
Deed Sale	May 12, 2023 · Amount on Record
Prior Sale	Aug 27, 2020 · Amount on Record
Deed Document Number	3623324
Deed Book / Page	3674 / 3817
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	1117 DEER MOSS LOOP, NICEVILLE, FL 32578-3428
Transaction Type	Mortgage
Record Updated	Feb 13, 2024
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	702 BEACH DR, DESTIN, FL 32541-1607
Investor	Possibly a Property Investor

Mortgage

Document Number	0035884119
Date	Nov 22, 2021
Book Page	3588/4119
Instrument	3507382

Lender

Name	FNBT BANK
Type	Bank
Address	FORT WALTON BEACH, FL 32549

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 12, 2023
Property Address	1117 DEER MOSS LOOP, NICEVILLE, FL 32578-3428
Document Number	0036743817
Book / Page	3674 / 3817
Map Reference	MB 28 PG 46
Instrument Date	May 5, 2023
Instrument	3623324
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	SOUTH OCEAN TITLE INC, SOUTH OAK TITLE DESTIN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,545.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	702 BEACH DR, DESTIN, FL 32541-1607

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	416 SYDNEY DR N, PRATTVILLE, AL 36066-1970

Mortgage

Document Number	0036743822
Date	May 12, 2023
Instrument	3674/3822

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 27, 2020
Property Address	1117 DEER MOSS LOOP, NICEVILLE, FL 32578-3428
Document Number	0034872803
Book / Page	003487 / 002803
Instrument Date	Aug 26, 2020
Instrument	3386260
Transaction Type	Transfer
Record Updated	Oct 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$553.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	702 BEACH DR DESTIN FL 325411607, DESTIN, FL 32541-1607

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Municipality	Niceville City
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,140.00 (-2.4%) Homeowner's exemption	$706,478 (-0.94%)	$708,155 (-0.7%) Land $97,527 Building $610,628
2023	$9,365.00 (+790.21%)	$713,169 (+675.18%) Land $96,600 Building $616,569	$713,169 (+675.18%) Land $96,600 Building $616,569
2022	$1,052.00	$92,000 Land $92,000	$92,000 Land $92,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 200 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 / 35

May also be available: CenturyLink, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Deer Moss Loop

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures