1145 Deer Moss Loop, Niceville, FL 32578 Property Records

Okaloosa County property record for 1145 Deer Moss Loop, Niceville, FL 32578

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,053 sqft · built 2020
Lot Size	0.151 acres (6,600 sqft)
Owner	2 Company Names on File
Last Sale	$935,000 (Jul 2022)
Tax Bill	$6,592 (2022)
Deeds & Mortgages	Dec 2020 Line of Credit Jul 2022 Sale + 5 more
Flood Zone	Zone X (minimal risk)
APN	`C56-001-099-3832-4`

Property Details

APN / Parcel Number

Primary APN	`C56-001-099-3832-4`
Alternative APN	`11-1S-22-2001-0000-0310`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,053 sqft Heated Area
Gross Area	3,997 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	6,600 sqft (0.151 acres)
Garage Type	Finished
Garage Area	518 sqft
Porch	Open Porch
Porch Area	426 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1145 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 31
Legal Range	22
Legal Township	01S
Legal Section	11
Legal Subdivision	HARTFIELD AT DEER MOSS CREEK
Legal Lot Number	31
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	2
Census Block	2001
Census Tract	20900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on File
Co-owner	Verified Secondary Owner
Mailing Address	1145 DEER MOSS LOOP, NICEVILLE, FL 32578-3428
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2020	Deed of Trust, Mortgage · Line of Credit WHITNEY BANK
Jul 7, 2022	Warranty Deed, Transfer BRIGHT LIGHT LAND TITLE COMPANY LLC, BRIGHT LIGHT LAND TTL CO LLC
Aug 21, 2020	Loan Modification, Mortgage HANCOCK WHITNEY BK
Sep 23, 2019	Deed of Trust, Construction Loan · Construction Mortgage HANCOCK WHITNEY BK
Sep 23, 2019	Correction Deed, Construction Loan ATTORNEY ONLY
Aug 9, 2019	Warranty Deed, Transfer NOT AVAILABLE
Oct 6, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	3 Verified Names on Deed
Last Sale	Jul 7, 2022 · Amount on Record
Deed Sale	Jul 7, 2022 · Amount on Record
Prior Sale	Jul 7, 2022 · Amount on Record
Deed Document Number	0036312411
Deed Book / Page	3631 / 2411
Last Transfer Date	Feb 27, 2025
Transfer Doc	0003739776
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	1145 DEER MOSS LOOP, NICEVILLE, FL 32578-3428
Transaction Type	Mortgage
Record Updated	Oct 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1145 DEER MOSS LOOP, NICEVILLE, FL 32578-3428

Mortgage

Document Number	0035134378
Date	Dec 22, 2020
Book Page	3513/4378
Instrument	3416826

Lender

Name	WHITNEY BANK
Type	Bank
Address	FORT WALTON BEACH, FL 32548

Agreement

Type	Line of Credit
Amount	Amount Recorded

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 7, 2022
Property Address	1145 DEER MOSS LOOP, NICEVILLE, FL 32578-3428
Document Number	0036312411
Book / Page	3631 / 2411
Map Reference	MB 28 PG 46-51
Instrument Date	Jul 5, 2022
Instrument	3562675
Transaction Type	Transfer
Record Updated	Oct 3, 2022
Title Company	BRIGHT LIGHT LAND TITLE COMPANY LLC, BRIGHT LIGHT LAND TTL CO LLC

Transaction

Amount	Amount Recorded
Tax	$6,545.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4320 COMMONS DR W # W5315, 4320, DESTIN, FL 32541-8643

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1145 DEER MOSS LOOP, NICEVILLE, FL 32578-3428

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKALOOSA FL
Property Address	1145 DEER MOSS LOOP, NICEVILLE, FL 32578-3428
Document Number	0034933598
Instrument Date	Aug 21, 2020
Transaction Type	Mortgage
Record Updated	Oct 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1145 DEER MOSS LOOP NICEVILLE FL 325783428, NICEVILLE, FL 32578-3428

Mortgage

Document Number	0034933598
Date	Sep 23, 2020
Book Page	003493/003598
Instrument	3392915

Lender

Name	HANCOCK WHITNEY BK
Address	NEW ORLEANS, LA 70122

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 22, 2050

Interest

Rate Type	Fixed Rate
Rate	3.62%

September 2019: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Recording Date	Sep 23, 2019
Property Address	1145 DEER MOSS LOOP, NICEVILLE, FL 32578-3428
Document Number	0034201425
Book / Page	003420 / 001425
Instrument Date	Sep 16, 2019
Instrument	3306426
Transaction Type	Construction Loan
Record Updated	Oct 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	81 MEIGS DR SHALIMAR FL 325792145, SHALIMAR, FL 32579-2145

Mortgage

Document Number	34201425
Date	Sep 23, 2019
Book Page	003420/001425
Instrument	3306426

Lender

Name	HANCOCK WHITNEY BK
Address	GULFPORT, MS 39502

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 22, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%

September 2019: Correction Deed, Construction Loan

Document Type	Correction Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 23, 2019
Property Address	1145 DEER MOSS LOOP, NICEVILLE, FL 32578-3428
Document Number	0034201420
Book / Page	003420 / 001420
Instrument Date	Sep 16, 2019
Instrument	3306424
Transaction Type	Construction Loan
Record Updated	Oct 23, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 396 SHALIMAR FL 325790396, SHALIMAR, FL 32579-0396

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 9, 2019
Property Address	1145 DEER MOSS LOOP, NICEVILLE, FL 32578-3428
Document Number	0034131026
Book / Page	003413 / 001026
Instrument Date	Aug 1, 2019
Instrument	3296920
Transaction Type	Transfer
Record Updated	Aug 29, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$420.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 396 SHALIMAR FL 325790396, SHALIMAR, FL 32579-0396

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 6, 2017
Property Address	1145 DEER MOSS LOOP, NICEVILLE, FL 32578-3428
Document Number	0033204074
Book / Page	003320 / 004074
Instrument Date	Oct 4, 2017
Instrument	3164617
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2,695.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 749 NICEVILLE FL 325880749, NICEVILLE, FL 32588-0749

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	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$676,274 (-0.7%) Land $97,527 Building $578,747	$676,274 (-0.7%) Land $97,527 Building $578,747
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$681,052 (+25.83%) Land $96,600 Building $584,452	$681,052 (+6.39%) Land $96,600 Building $584,452
2022	$6,592.00 Homeowner's exemption	$541,237	$640,124 Land $92,000 Building $548,124

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 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Lumen Technologies Fiber	2,000 / 1,000
Cox Communications Fiber	2,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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