1130 Deer Moss Loop, Niceville, FL 32578 Property Records

Okaloosa County property record for 1130 Deer Moss Loop, Niceville, FL 32578

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,057 sqft · built 2020
Lot Size	0.134 acres (5,870 sqft)
Owner	Individual Name on Record
Last Sale	$479,900 (Jan 2021)
Tax Bill	$6,103 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Aug 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-001-099-3893-6`

Property Details

APN / Parcel Number

Primary APN	`C56-001-099-3893-6`
Alternative APN	`11-1S-22-2001-0000-0920`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,057 sqft Heated Area
Gross Area	2,742 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	5,870 sqft (0.134 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1130 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 92
Legal Range	22
Legal Township	01S
Legal Section	11
Legal Subdivision	HARTFIELD AT DEER MOSS CREEK
Legal Lot Number	92
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	2
Census Block	2005
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
Mailing Address	1130 DEER MOSS LOOP, NICEVILLE, FL 32578-3429
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2021	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Aug 28, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Jul 31, 2019	Loan Modification, Mortgage AMERIS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2021 · Amount on Record
Deed Sale	Jan 22, 2021 · Amount on Record
Prior Sale	Aug 28, 2019 · Amount on Record
Deed Document Number	3423791
Deed Book / Page	3520 / 447
Record Updated	Jun 8, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 22, 2021
Property Address	1130 DEER MOSS LOOP, NICEVILLE, FL 32578-3429
Document Number	0035200447
Book / Page	3520 / 447
Map Reference	MB 28 PG 46-51
Instrument Date	Jan 20, 2021
Instrument	3423791
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	MCGILL ESCROW AND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,359.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 686, BAKER, FL 32531-0686

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3184 SCENIC HWY, DESTIN, FL 32541

Mortgage

Document Number	0003520454
Date	Jan 22, 2021
Instrument	3520/454

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 28, 2019
Property Address	1130 DEER MOSS LOOP, NICEVILLE, FL 32578-3429
Document Number	0034161312
Book / Page	003416 / 001312
Instrument Date	Aug 26, 2019
Instrument	3301181
Transaction Type	Transfer
Record Updated	Sep 19, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$462.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1576 GREENWOOD RD BAKER FL 325318460, BAKER, FL 32531-8460
Investor	Possibly a Property Investor

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKALOOSA FL
Property Address	1130 DEER MOSS LOOP, NICEVILLE, FL 32578-3429
Document Number	0034161314
Instrument Date	Jul 31, 2019
Transaction Type	Mortgage
Record Updated	Sep 19, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1130 DEER MOSS LOOP NICEVILLE NICEVILLE FL 32578, NICEVILLE, FL 32578
Investor	Possibly a Property Investor

Mortgage

Document Number	0034161314
Date	Aug 28, 2019
Book Page	003416/001314
Instrument	3301182

Lender

Name	AMERIS BK
Type	Bank

Agreement

Amount	Amount Recorded

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	$6,103.00 (+5.79%) Homeowner's exemption Widower's exemption	$490,245 (+2.66%) Land $97,527 Building $392,718	$490,245 (-0.54%) Land $97,527 Building $392,718
2023	$5,769.00 (+3.65%) Homeowner's exemption Widower's exemption	$477,538 (+3%)	$492,920 (+6.32%) Land $96,600 Building $396,320
2022	$5,566.00 Homeowner's exemption Widower's exemption	$463,629 Land $92,000 Building $371,629	$463,629 Land $92,000 Building $371,629

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
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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