Okaloosa County property record for 1332 Windward Cir, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,062 sqft · built 1989 |
| Lot Size | 0.48 acres (20,900 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $540,000 (Jun 2018) |
| Tax Bill | $5,705 (2025) |
| Deeds & Mortgages | Dec 2023 Line of Credit Dec 2019 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | C56-000-596-1739-9 |
| Primary APN | C56-000-596-1739-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,062 sqft Living Area |
| Gross Area | 5,217 sqft |
| 1st Floor Area | 1,420 sqft |
| Upper Floors Area | 1,642 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 20,900 sqft (0.48 acres) |
| Garage Type | Attached |
| Garage Area | 726 sqft |
| Porch | Florida Room |
| Porch Area | 740 sqft |
| Patio Area | 65 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 1332 WINDWARD CIR |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-4309 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WINDWARD PH I B/B LOT 11 BLK B |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 22 |
| Legal Subdivision | WINDWARD PH I B/B |
| Legal Phase | 1 |
| Legal Block | B |
| Legal Lot Number | 11 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 21002 |
1332 Windward Cir is owned and occupied by two individuals who bought it in June 2018.
Source: Okaloosa County records, as of August 27, 2026
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 1332 WINDWARD CIR, NICEVILLE, FL 32578-4309 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 26, 2023 | Deed of Trust, Mortgage · Line of Credit CCB COMMUNITY BANK |
| Dec 6, 2019 | Deed of Trust, Mortgage · VA Mortgage CERTAINTY HOME LOANS LLC |
| Jun 20, 2018 | Warranty Deed, Transfer · VA Mortgage CERTAINTY HOME LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 20, 2018 · Amount on File |
| Deed Sale | Jun 20, 2018 · Amount on File |
| Prior Sale | Sep 5, 2012 · Amount on File |
| Deed Document Number | 20183214780 |
| Deed Book / Page | 3355 / 2629 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 1332 WINDWARD CIR, NICEVILLE, FL 32578-4309 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1332 WINDWARD CIR, NICEVILLE, FL 32578-4309 |
| Document Number | 0003663430 |
|---|---|
| Date | Dec 26, 2023 |
| Instrument | 3663430 |
| Name | CCB COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | NICEVILLE, FL 32578 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jan 14, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 1332 WINDWARD CIR, NICEVILLE, FL 32578-4309 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0034321765 |
|---|---|
| Date | Dec 6, 2019 |
| Book Page | 3432/1765 |
| Instrument | 3322459 |
| Name | CERTAINTY HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75093 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 20, 2018 |
| Property Address | 1332 WINDWARD CIR, NICEVILLE, FL 32578-4309 |
| Document Number | 0033552629 |
| Book / Page | 3355 / 2629 |
| Map Reference | MB9 PG56 |
| Instrument Date | Jun 18, 2018 |
| Instrument | 3214780 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | BRIGHT LIGHT LAND TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 376 WHISPERING WAY, 376, FREEPORT, FL 32439-6556 |
| Name | Verified Name |
|---|---|
| Address | 1332 WINDWARD CIR, NICEVILLE, FL 32578-4309 |
| Document Number | 0003214781 |
|---|---|
| Date | Jun 20, 2018 |
| Instrument | 3214781 |
| Name | CERTAINTY HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2048 |
The 2025 property tax bill for 1332 Windward Cir was $5,705 with a homeowner's exemption.
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 | $5,705.00 Homeowner's exemption | $515,709 | $667,410 Land $132,197 Building $535,213 |
| 2023 | $5,419.00 (+2.38%) Homeowner's exemption | $486,578 (+3%) | $663,389 (+6.14%) Land $122,211 Building $541,178 |
| 2022 | $5,293.00 Homeowner's exemption | $472,406 | $625,040 Land $116,391 Building $508,649 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1332 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 | 8.0 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 1332 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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