1160 Deer Moss Loop, Niceville, FL 32578 Property Records

Okaloosa County property record for 1160 Deer Moss Loop, Niceville, FL 32578

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,579 sqft · built 2021
Lot Size	0.222 acres (9,674 sqft)
Owner	Individual Name on Record
Last Sale	$1,110,400 (Oct 2025)
Tax Bill	$7,156 (2024)
Deeds & Mortgages	Sep 2021 Line of Credit Oct 2025 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-001-127-3437-1`

Property Details

APN / Parcel Number

Primary APN	`C56-001-127-3437-1`
Alternative APN	`11-1S-22-3000-0000-1010`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,579 sqft Heated Area
Gross Area	3,553 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2021
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	9,674 sqft (0.222 acres)
Garage Type	Finished
Porch	Open Porch
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1160 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 PH 1A LOT 101
Legal Range	22
Legal Section	11
Legal Subdivision	HARTFIELD AT DEER MOSS CREEK PH
Legal Phase	1A
Legal Lot Number	101
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	1160 DEER MOSS LOOP, NICEVILLE, FL 32578-3429
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2021	Deed of Trust, Mortgage · Line of Credit PEOPLES NATIONAL BANK
Oct 20, 2025	Warranty Deed, Transfer PANHANDLE TITLE INC
Nov 22, 2021	Warranty Deed, Subdivision Related Transfer · VA Mortgage CERTAINTY HOME LOANS LLC
Feb 3, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2025 · Amount on Record
Deed Sale	Oct 20, 2025 · Amount on Record
Prior Sale	Nov 22, 2021 · Amount on Record
Deed Document Number	3778939
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	1160 DEER MOSS LOOP, NICEVILLE, FL 32578-3429
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4152 WARD COVE DR, NICEVILLE, FL 32578-7115
Investor	Possibly a Property Investor

Mortgage

Document Number	0035704959
Date	Sep 2, 2021
Book Page	3570/4959
Instrument	3485265

Lender

Name	PEOPLES NATIONAL BANK
Type	Bank
Address	NICEVILLE, FL 32578

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	11 Months
Due	Aug 16, 2022

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 20, 2025
Property Address	1160 DEER MOSS LOOP, NICEVILLE, FL 32578-3429
Document Number	0003778939
Map Reference	MB 29 PG 36
Instrument Date	Oct 16, 2025
Instrument	3778939
Transaction Type	Transfer
Record Updated	Nov 19, 2025
Title Company	PANHANDLE TITLE INC

Transaction

Amount	Amount Recorded
Tax	$7,772.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1308 CYPRESS DR, EGLIN AFB, FL 32542-1457

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1160 DEER MOSS LOOP, NICEVILLE, FL 32578-3429

November 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 22, 2021
Property Address	1160 DEER MOSS LOOP, NICEVILLE, FL 32578-3429
Document Number	0035883889
Book / Page	3588 / 3889
Map Reference	MB 29 PG 36-38
Instrument Date	Nov 17, 2021
Instrument	3507320
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 19, 2025
Title Company	PANHANDLE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,179.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1160 DEER MOSS LOOP, NICEVILLE, FL 32578-3429

Mortgage

Document Number	0035883891
Date	Nov 22, 2021
Instrument	3588/3891

Lender

Name	CERTAINTY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2046

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 3, 2020
Property Address	1160 DEER MOSS LOOP, NICEVILLE, FL 32578-3429
Document Number	0034414181
Book / Page	003441 / 004181
Instrument Date	Jan 30, 2020
Instrument	3334543
Transaction Type	Transfer
Record Updated	Dec 18, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$693.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4152 WARD COVE DR NICEVILLE FL 325787115, NICEVILLE, FL 32578-7115

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		$597,514 (+2.9%)	$618,590 (-0.36%) Land $126,785 Building $491,805
2024	$7,156.00 (+2.45%) Homeowner's exemption	$580,674 (+3%)	$620,828 (-0.2%) Land $126,836 Building $493,992
2023	$6,985.00 (-9.12%) Homeowner's exemption	$563,761 (-3.66%)	$622,077 (+6.31%) Land $125,580 Building $496,497
2022	$7,686.00	$585,151 Land $119,600 Building $465,551	$585,151 Land $119,600 Building $465,551

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 64% of the US · above 41% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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

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
CenturyLink Fiber	2,000 / 1,000
Cox Communications Fiber	2,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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