Okaloosa County property record for 1309 Windward Cir, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,080 sqft · built 1986 |
| Lot Size | 0.434 acres (18,889 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $169,900 (Apr 2016) |
| Tax Bill | $7,188 (2025) |
| Deeds & Mortgages | Jul 2023 Line of Credit Jan 2021 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | C56-000-596-1713-4 |
| Primary APN | C56-000-596-1713-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,080 sqft Living Area |
| Gross Area | 4,221 sqft |
| 1st Floor Area | 1,560 sqft |
| Upper Floors Area | 1,520 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 18,889 sqft (0.434 acres) |
| Garage Type | Attached |
| Garage Area | 805 sqft |
| Porch | Slab |
| Porch Area | 312 sqft |
| Patio Area | 24 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 1309 WINDWARD CIR |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-4310 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WINDWARD PH I B/B LOT 5 BLK A |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 22 |
| Legal Subdivision | WINDWARD PH I B/B |
| Legal Phase | 1 |
| Legal Block | A |
| Legal Lot Number | 5 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 21002 |
1309 Windward Cir is owned and occupied by two individuals who bought it in April 2016.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1309 WINDWARD CIR, NICEVILLE, FL 32578-4310 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 11, 2023 | Deed of Trust, Mortgage · Line of Credit BANKPLUS |
| Jan 15, 2021 | Warranty Deed, Transfer · VA Mortgage TRIDENT HOME LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 28, 2016 · Amount on File |
| Deed Sale | Apr 28, 2016 · Amount on File |
| Prior Sale | Apr 12, 2016 · Amount on File |
| Deed Document Number | 20163062551 |
| Deed Book / Page | 3245 / 3282 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 1309 WINDWARD CIR, NICEVILLE, FL 32578-4310 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1309 WINDWARD CIR, NICEVILLE, FL 32578-4310 |
| Document Number | 0036830500 |
|---|---|
| Date | Jul 11, 2023 |
| Book Page | 3683/500 |
| Instrument | 3634738 |
| Name | BANKPLUS |
|---|---|
| Type | Bank |
| Address | MIRAMAR BEACH, FL 32550 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 85 Months |
| Due | Aug 5, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jan 15, 2021 |
| Property Address | 1309 WINDWARD CIR, NICEVILLE, FL 32578-4310 |
| Document Number | 0035183681 |
| Book / Page | 3518 / 3681 |
| Map Reference | MB 9 PG 56 |
| Instrument Date | Jan 14, 2021 |
| Instrument | 3422379 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,060.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 52ND FORCE SUPPORT SQUADRON #36703670, APO XX 9126 |
| Name | Verified Name |
|---|---|
| Address | 4410 NE GREYSTONE LOOP, MOUNTAIN HOME, ID 83647 |
| Document Number | 0035183683 |
|---|---|
| Date | Jan 15, 2021 |
| Instrument | 3518/3683 |
| Name | TRIDENT HOME LOANS LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
The 2025 property tax bill for 1309 Windward Cir was $7,188.
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,188.00 | $602,497 Land $95,476 Building $507,021 | $602,497 Land $95,476 Building $507,021 |
| 2023 | $7,257.00 (+5.22%) | $602,571 (+6.15%) Land $88,263 Building $514,308 | $602,571 (+6.15%) Land $88,263 Building $514,308 |
| 2022 | $6,897.00 | $567,640 Land $84,060 Building $483,580 | $567,640 Land $84,060 Building $483,580 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1309 Windward Cir in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 151 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 151 in force |
| Nearby Flood Claims | 38 (1995–2020) |
| Claims Outside the SFHA | 17 of 38 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
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 risk around 1309 Windward Cir is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OKALOOSA COUNTY BLUEWATER BAY-RAINTREE serves 17,592 people · EPA ID FL1460775 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2023 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 160 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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