Okaloosa County property record for 1323 Windward Cir, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 4,467 sqft · built 2003 |
| Lot Size | 0.351 acres (15,321 sqft) |
| Owner | Trust Name on File |
| Last Sale | $295,000 (Jul 2000) |
| Tax Bill | $12,841 (2025) |
| Deeds & Mortgages | Oct 2025 Transfer Feb 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | C56-000-596-1720-9 |
| Primary APN | C56-000-596-1720-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 4,467 sqft Heated Area |
| Gross Area | 6,355 sqft |
| 1st Floor Area | 2,586 sqft |
| Upper Floors Area | 1,881 sqft |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 15,321 sqft (0.351 acres) |
| Lot Width | 91 ft Width |
| Garage Type | Finished |
| Garage Area | 744 sqft |
| Porch | Open Porch |
| Porch Area | 888 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1323 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 12 BLK A |
| Legal Range | 22 |
| Legal Township | 01S |
| Legal Section | 22 |
| Legal Subdivision | WINDWARD PH 1 |
| Legal Phase | 1 |
| Legal Block | A |
| Legal Lot Number | 12 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 21002 |
1323 Windward Cir is owner-occupied and held in a trust since October 2025.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | Trust Name on File |
|---|---|
| Co-owner | 2 Co-owners on File |
| Mailing Address | 1323 WINDWARD CIR, NICEVILLE, FL 32578-4310 |
| 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.
| Date | Document |
|---|---|
| Oct 1, 2025 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Feb 18, 2021 | Deed of Trust, Mortgage · VA Mortgage CENTENNIAL BANK |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Jul 19, 2000 · Amount on File |
| Deed Sale | Jul 19, 2000 · Amount on File |
| Prior Sale | Jul 19, 2000 · Amount on File |
| Deed Document Number | 0022574653 |
| Deed Book / Page | 221S2 |
| Last Transfer Date | Oct 1, 2025 |
| Transfer Doc | 0003775804 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Oct 1, 2025 |
| Property Address | 1323 WINDWARD CIR, NICEVILLE, FL 32578-4310 |
| Document Number | 0003775804 |
| Map Reference | MB 9 PG 56 |
| Instrument Date | Sep 12, 2025 |
| Instrument | 3775804 |
| Transaction Type | Transfer |
| Record Updated | Dec 9, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1323 WINDWARD CIR, NICEVILLE, FL 32578-4310 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1323 WINDWARD CIR, NICEVILLE, FL 32578-4310 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 1323 WINDWARD CIR, NICEVILLE, FL 32578-4310 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1323 WINDWARD CIR, NICEVILLE, FL 32578-4310 |
| Document Number | 0035263218 |
|---|---|
| Date | Feb 18, 2021 |
| Book Page | 3526/3218 |
| Instrument | 3431231 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2036 |
The 2025 property tax bill for 1323 Windward Cir was $12,841 with a homeowner's exemption.
Source: Okaloosa County assessment roll, as of July 1, 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 | $12,841.00 Homeowner's exemption | $1,121,155 | $1,879,639 Land $547,163 Building $1,332,476 |
| 2023 | $12,217.00 (+2.23%) Homeowner's exemption | $1,057,823 (+3%) | $1,874,327 (+7.51%) Land $526,117 Building $1,348,210 |
| 2022 | $11,951.00 Homeowner's exemption | $1,027,013 | $1,743,433 Land $477,204 Building $1,266,229 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1323 Windward Cir in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 1323 Windward Cir is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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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