1164 Deer Moss Loop, Niceville, FL 32578 Property Records

Okaloosa County property record for 1164 Deer Moss Loop, Niceville, FL 32578

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,188 sqft · built 2020
Lot Size	0.222 acres (9,671 sqft)
Owner	2 Trust Names on File
Last Sale	$500,400 (Nov 2020)
Tax Bill	$4,446 (2024)
Deeds & Mortgages	Feb 2021 Mortgage Nov 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-001-127-3439-7`

Property Details

APN / Parcel Number

Primary APN	`C56-001-127-3439-7`
Alternative APN	`11-1S-22-3000-0000-1030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,188 sqft Heated Area
Gross Area	3,230 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	9,671 sqft (0.222 acres)
Garage Type	Finished
Garage Area	604 sqft
Porch	Open Porch
Porch Area	438 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1164 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 103
Legal Range	22
Legal Section	11
Legal Subdivision	HARTFIELD AT DEER MOSS CREEK PH
Legal Phase	1A
Legal Lot Number	103
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	2
Census Block	2001
Census Tract	20900

Owner

1164 Deer Moss Loop is owner-occupied and held in a trust since October 2024.

Source: Okaloosa County records, as of December 8, 2025

Owner of Record	2 Trust Names on File
Co-owner	Co-owner on File
Mailing Address	1164 DEER MOSS LOOP, NICEVILLE, FL 32578-3429
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Nov 23, 2020	Warranty Deed, Transfer MEAD LAW AND TITLE, MEAD LAW & TITLE
Feb 11, 2020	Warranty Deed, Transfer · Commercial Mortgage THE FIRST A NATIONAL BANKING ASSN

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Nov 23, 2020 · Amount on File
Deed Sale	Nov 23, 2020 · Amount on File
Prior Sale	Nov 23, 2020 · Amount on File
Deed Document Number	0035072559
Deed Book / Page	003507 / 002559
Last Transfer Date	Oct 14, 2024
Transfer Doc	0003716257
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	1164 DEER MOSS LOOP, NICEVILLE, FL 32578-3429
Transaction Type	Mortgage
Record Updated	Apr 21, 2022
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1164 DEER MOSS LOOP, NICEVILLE, FL 32578-3429

Mortgage

Document Number	0035224860
Date	Feb 3, 2021
Book Page	3522/4860
Instrument	3427038

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 23, 2020
Property Address	1164 DEER MOSS LOOP, NICEVILLE, FL 32578-3429
Document Number	0035072559
Book / Page	003507 / 002559
Instrument Date	Nov 20, 2020
Instrument	3409767
Transaction Type	Transfer
Record Updated	Dec 18, 2020
Title Company	MEAD LAW AND TITLE, MEAD LAW & TITLE

Transaction

Amount	Amount on Record
Tax	$3,503.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1164 DEER MOSS LOOP NICEVILLE FL 325783429, NICEVILLE, FL 32578-3429

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 11, 2020
Property Address	1164 DEER MOSS LOOP, NICEVILLE, FL 32578-3429
Document Number	0034432471
Book / Page	3443 / 2471
Map Reference	MB 29 PG 36-38
Instrument Date	Feb 3, 2020
Instrument	3336670
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$658.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1003C JOHN SIMS PKWY E, 1003C, NICEVILLE, FL 32578-2712

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1343, NICEVILLE, FL 32588-1343
Investor	Possibly a Property Investor

Mortgage

Document Number	0034432473
Date	Feb 11, 2020
Instrument	3443/2473

Lender

Name	THE FIRST A NATIONAL BANKING ASSN
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 6, 2021

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		$391,917	$575,302 Land $126,785 Building $448,517
2024	$4,446.00 (+2.61%)
2023	$4,333.00 (+5.79%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$369,779 (+3.79%)	$580,244 (+4.06%) Land $125,580 Building $454,664
2022	$4,096.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$356,266	$557,589 Land $119,600 Building $437,989

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

Flood

FEMA maps place 1164 Deer Moss Loop in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1995.

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 File 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

Wildfire risk around 1164 Deer Moss Loop is moderate, ranking above 59% of the US, with a 0.2% annual chance of 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

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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