1215 Elderflower Dr, Niceville, FL 32578 Property Records

Okaloosa County property record for 1215 Elderflower Dr, Niceville, FL 32578

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,604 sqft · built 2018
Lot Size	0.309 acres (13,495 sqft)
Owner	Individual Name on File
Last Sale	$123,000 (Sep 2017)
Tax Bill	$8,385 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Aug 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C56-001-099-3862-1`

Property Details

APN / Parcel Number

Primary APN	`C56-001-099-3862-1`
Alternative APN	`11-1S-22-2001-0000-0610`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,604 sqft Heated Area
Gross Area	5,083 sqft
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	13,495 sqft (0.309 acres)
Garage Type	Finished
Garage Area	605 sqft
Porch	Open Porch
Porch Area	746 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1215 ELDERFLOWER DR
City	NICEVILLE
State	FL
Zip	32578-3426
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARTFIELD AT DEER MOSS CREEK LOT 61
Legal Range	22
Legal Township	01S
Legal Section	11
Legal Subdivision	HARTFIELD AT DEER MOSS CREEK
Legal Lot Number	61
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	2
Census Block	2004
Census Tract	20900

Owner

1215 Elderflower Dr is owned and occupied by an individual who bought it in September 2017.

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

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1215 ELDERFLOWER DR, NICEVILLE, FL 32578-3426
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Aug 13, 2020	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING
Mar 5, 2019	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS
Jun 28, 2018	Loan Modification, Mortgage · VA Mortgage FIRST FL BK
Sep 29, 2017	Warranty Deed, Transfer · VA Mortgage FIRST FLORIDA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2017 · Amount on File
Deed Sale	Sep 29, 2017 · Amount on File
Deed Document Number	3162883
Deed Book / Page	3319 / 2995
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	1215 ELDERFLOWER DR, NICEVILLE, FL 32578-3426
Transaction Type	Mortgage
Record Updated	Nov 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1215 ELDERFLOWER DR, NICEVILLE, FL 32578-3426

Mortgage

Document Number	0003648632
Date	Sep 22, 2023
Instrument	3648632

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 13, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	1215 ELDERFLOWER DR, NICEVILLE, FL 32578-3426
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1215 ELDERFLOWER DR, NICEVILLE, FL 32578-3426

Mortgage

Document Number	0034832592
Date	Aug 13, 2020
Book Page	3483/2592
Instrument	3382029

Lender

Name	CLEARPATH LENDING
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	1215 ELDERFLOWER DR, NICEVILLE, FL 32578-3426
Document Number	0033900594
Instrument Date	Mar 5, 2019
Transaction Type	Mortgage
Record Updated	Apr 8, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1215 ELDERFLOWER DR NICEVILLE FL 325783426, NICEVILLE, FL 32578-3426

Mortgage

Document Number	0033900594
Date	Mar 21, 2019
Book Page	003390/000594
Instrument	3266072

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 20, 2049

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKALOOSA FL
Property Address	1215 ELDERFLOWER DR, NICEVILLE, FL 32578-3426
Document Number	0033593376
Instrument Date	Jun 28, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1215 ELDERFLOWER DR NICEVILLE FL 325783426, NICEVILLE, FL 32578-3426

Mortgage

Document Number	0033593376
Date	Jul 18, 2018
Book Page	003359/003376
Instrument	3220547

Lender

Name	FIRST FL BK
Type	Bank
Address	DESTIN, FL 32540

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 17, 2048

Interest

Rate Type	Fixed Rate
Rate	4.87%

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 29, 2017
Property Address	1215 ELDERFLOWER DR, NICEVILLE, FL 32578-3426
Document Number	0033192995
Book / Page	3319 / 2995
Map Reference	MB28 PG46-51
Instrument Date	Sep 28, 2017
Instrument	3162883
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Tax	$861.00
Amount Accuracy	Calculated from Transfer Tax
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	189 GRANDVIEW AVE, VALPARAISO, FL 32580-1553

Mortgage

Document Number	0003162884
Date	Sep 29, 2017
Instrument	3162884

Lender

Name	FIRST FLORIDA BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1215 Elderflower Dr was $8,385 with exemptions applied.

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	$8,385.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$656,457	$807,347 Land $126,785 Building $680,562
2023	$7,660.00 (+3.78%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$619,375 (+3%)	$815,311 (+6.18%) Land $125,580 Building $689,731
2022	$7,381.00 Homeowner's exemption	$601,335	$767,887 Land $119,600 Building $648,287

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

Flood

FEMA maps place 1215 Elderflower Dr 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 1215 Elderflower Dr is moderate, ranking above 56% of the US, with a 0.1% annual chance of 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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