1127 Deer Moss Loop, Niceville, FL 32578 Property Records

Okaloosa County property record for 1127 Deer Moss Loop, Niceville, FL 32578 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,351 sqft · built 2021
Lot Size	0.16 acres (6,978 sqft)
Owner	Individual Name on File
Last Sale	$875,400 (Sep 2021)
Tax Bill	$7,396 (2025)
Deeds & Mortgages	Dec 2020 Construction Loan Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-001-099-3840-7`

Property Details

APN / Parcel Number

Primary APN	`C56-001-099-3840-7`
Alternative APN	`11-1S-22-2001-0000-0390`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,351 sqft Heated Area
Gross Area	4,312 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2021
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	6,978 sqft (0.16 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1127 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 39
Legal Range	22
Legal Township	01S
Legal Section	11
Legal Subdivision	HARTFIELD AT DEER MOSS CREEK
Legal Lot Number	39
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	2
Census Block	2001
Census Tract	20900

Owner

Source: Okaloosa County records · APN C56-001-099-3840-7

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	1127 DEER MOSS LOOP, NICEVILLE, FL 32578-3428
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2020	Deed of Trust, Mortgage · Construction Mortgage FNBT BANK
Sep 03, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Oct 30, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 03, 2021 · Amount on Record
Deed Sale	Sep 03, 2021 · Amount on Record
Prior Sale	Oct 30, 2019 · Amount on Record
Deed Document Number	3485695
Deed Book / Page	3571 / 2033
Record Updated	Jun 08, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	1127 DEER MOSS LOOP, NICEVILLE, FL 32578-3428
Transaction Type	Mortgage
Record Updated	May 02, 2022

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0035123875
Date	Dec 16, 2020
Book Page	3512/3875
Instrument	3415607

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 03, 2021
Property Address	1127 DEER MOSS LOOP, NICEVILLE, FL 32578-3428
Document Number	0035712033
Book / Page	3571 / 2033
Map Reference	MB 28 PG 46-51
Instrument Date	Aug 26, 2021
Instrument	3485695
Transaction Type	Transfer
Record Updated	May 02, 2022
Title Company	MEAD LAW AND TITLE, MEAD LAW & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$6,127.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4462 CLIPPER CV, DESTIN, FL 32541-3699

Mortgage

Document Number	0035712035
Date	Sep 03, 2021
Instrument	3571/2035

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 01, 2036

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 30, 2019
Property Address	1127 DEER MOSS LOOP, NICEVILLE, FL 32578-3428
Document Number	0034262287
Book / Page	003426 / 002287
Instrument Date	Oct 28, 2019
Instrument	3314868
Transaction Type	Transfer
Record Updated	Nov 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,792.00
Additional	Arm's Length Multiple Parcels

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 records · Assessment roll updated July 1, 2025 · Last verified December 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

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	$7,396.00 (+9.51%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$584,403 (+5.99%)	$709,197 (-0.69%) Land $97,527 Building $611,670
2023	$6,754.00 (+4.73%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$551,391 (+3%)	$714,098 (+6.42%) Land $96,600 Building $617,498
2022	$6,449.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$535,331	$671,011 Land $92,000 Building $579,011

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120910209002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 86 individual NFIP policies nearby
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

Wildfire Risk	Moderate above 57% of the US · above 28% of Florida
Wildfire Likelihood	About 1 in 794 per year
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 200 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
LiveOak Fiber	Fiber	5,000 / 5,000
AT&T	Fiber	5,000 / 5,000
Cox Communications	Cable	2,000 / 35

May also be available at this address: Lumen Technologies, Cox Communications, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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