1118 Deer Moss Loop, Niceville, FL 32578 Property Records

Okaloosa County property record for 1118 Deer Moss Loop, Niceville, FL 32578

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,751 sqft · built 2020
Lot Size	0.142 acres (6,197 sqft)
Owner	Individual Name on Record
Tax Bill	$3,430 (2025)
Deeds & Mortgages	Jan 2026 Transfer Feb 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-001-099-3849-8`

Property Details

APN / Parcel Number

Primary APN	`C56-001-099-3849-8`
Alternative APN	`11-1S-22-2001-0000-0480`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,751 sqft Heated Area
Gross Area	2,295 sqft
1st Floor Area	1,751 sqft
Flooring	Ceramic Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2020
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	6,197 sqft (0.142 acres)
Garage Type	Finished
Garage Area	480 sqft
Porch	Open Porch
Porch Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1118 DEER MOSS LOOP
City	NICEVILLE
State	FL
Zip	32578-3429
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARTFIELD AT DEER MOSS CREEK LOT 48
Legal Range	22
Legal Township	01S
Legal Section	11
Legal Subdivision	HARTFIELD AT DEER MOSS CREEK
Legal Lot Number	48
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	2
Census Block	2003
Census Tract	20900

Owner

Source: Okaloosa County records, as of February 2, 2026

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	2 Co-owners on Record
Mailing Address	1118 DEER MOSS LOOP, NICEVILLE, FL 32578-3429
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2026	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Feb 14, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Jul 15, 2019	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH
Sep 24, 2018	Warranty Deed, Transfer BANCORPSOUTH

Assessor's Deed Record

Deed Names	4 Names on Deed
Prior Sale	Feb 14, 2020 · Amount on Record
Last Transfer Date	Jan 15, 2026
Transfer Doc	0003793533
Record Updated	Jun 8, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Jan 15, 2026
Property Address	1118 DEER MOSS LOOP, NICEVILLE, FL 32578-3429
Document Number	0003793533
Map Reference	MB 28 PG 46-51
Instrument Date	Jan 7, 2026
Instrument	3793533
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1118 DEER MOSS LOOP, NICEVILLE, FL 32578-3429

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 14, 2020
Property Address	1118 DEER MOSS LOOP, NICEVILLE, FL 32578-3429
Document Number	0034441360
Book / Page	003444 / 001360
Instrument Date	Feb 14, 2020
Instrument	3337757
Transaction Type	Transfer
Record Updated	Mar 9, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2,824.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1118 DEER MOSS LOOP NICEVILLE FL 325783429, NICEVILLE, FL 32578-3429

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	1118 DEER MOSS LOOP, NICEVILLE, FL 32578-3429
Document Number	0034110713
Instrument Date	Jul 15, 2019
Transaction Type	Mortgage
Record Updated	Aug 19, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	204A BOB SIKES BLVD FORT WALTON BEACH FL 325472391, FORT WALTON BEACH, FL 32547-2391

Mortgage

Document Number	0034110713
Date	Jul 29, 2019
Book Page	003411/000713
Instrument	3294231

Lender

Name	BANCORPSOUTH
Type	Bank
Address	TUPELO, MS 38803-4360

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 24, 2018
Property Address	1118 DEER MOSS LOOP, NICEVILLE, FL 32578-3429
Document Number	0033682163
Book / Page	003368 / 002163
Instrument Date	Sep 18, 2018
Instrument	3233716
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,694.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	204A BOB SIKES BLVD FORT WALTON BEACH FL 325472391, FORT WALTON BEACH, FL 32547-2391

Mortgage

Document Number	33682174
Date	Sep 24, 2018
Book Page	003368/002174
Instrument	3233718

Lender

Name	BANCORPSOUTH
Type	Bank
Address	TUPELO, MS 38803-4360

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Sep 23, 2038

Interest

Rate Type	Adjustable Rate

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	$3,430.00 (+9.8%) Homeowner's exemption	$290,547 (+5.99%)	$458,579 (-1.76%) Land $97,527 Building $361,052
2023	$3,124.00 (+4.9%) Homeowner's exemption	$274,135 (+3%)	$466,793 (+12.43%) Land $96,600 Building $370,193
2022	$2,978.00 Homeowner's exemption	$266,150	$415,189 Land $92,000 Building $323,189

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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

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