138 Summit Ct, Niceville, FL 32578 Property Records

Okaloosa County property record for 138 Summit Ct, Niceville, FL 32578

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,128 sqft · built 1985
Lot Size	0.129 acres (5,623 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Jul 2020)
Tax Bill	$2,802 (2025)
Deeds & Mortgages	May 2023 Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-596-3508-6`

Property Details

APN / Parcel Number

Primary APN	`C56-000-596-3508-6`
Alternative APNs	`23-1S-22-474A-000B-0590` `22S123474A000B0590`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,128 sqft Living Area
Gross Area	1,416 sqft
1st Floor Area	972 sqft
Upper Floors Area	156 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	5,623 sqft (0.129 acres)
Garage Type	Attached
Garage Area	264 sqft
Porch	Finished/Open Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	138 SUMMIT CT
City	NICEVILLE
State	FL
Zip	32578-9761
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLUE PINE VILLAGE PH I LOT 59 BLK B
Legal Range	22W
Legal Township	01S
Legal Section	23
Legal Subdivision	BLUE PINE VILLAGE
Legal Phase	1
Legal Block	B
Legal Lot Number	59
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	2
Census Block	2000
Census Tract	21002

Owner

Source: Okaloosa County records, as of August 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	138 SUMMIT CT, NICEVILLE, FL 32578-9761
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 16, 2023	Deed of Trust, Mortgage · VA Mortgage UNITED TRUST BANK
Aug 17, 2021	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING
Jul 21, 2020	Warranty Deed, Transfer · VA Mortgage MORTGAGE SOLUTIONS/CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2020 · Amount on Record
Deed Sale	Jul 21, 2020 · Amount on Record
Prior Sale	Jun 4, 2007 · Amount on Record
Deed Document Number	20203374785
Deed Book / Page	3476 / 4372
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	138 SUMMIT CT, NICEVILLE, FL 32578-9761
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 SUMMIT CT, NICEVILLE, FL 32578-9761

Mortgage

Document Number	0036750252
Date	May 16, 2023
Book Page	3675/252
Instrument	3623772

Lender

Name	UNITED TRUST BANK
Type	Bank
Address	PALOS HEIGHTS, IL 60463

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	138 SUMMIT CT, NICEVILLE, FL 32578-9761
Transaction Type	Mortgage
Record Updated	Sep 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 SUMMIT CT, NICEVILLE, FL 32578-9761

Mortgage

Document Number	0035673131
Date	Aug 17, 2021
Book Page	3567/3131
Instrument	3480900

Lender

Name	CLEARPATH LENDING
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 21, 2020
Property Address	138 SUMMIT CT, NICEVILLE, FL 32578-9761
Document Number	0034764372
Book / Page	003476 / 004372
Instrument Date	Jul 7, 2020
Instrument	3374785
Transaction Type	Transfer
Record Updated	Aug 25, 2020
Title Company	VINTAGE TITLE AND ESCROW INC, VINTAGE TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	138 SUMMIT CT NICEVILLE FL 325789761, NICEVILLE, FL 32578-9761

Mortgage

Document Number	34764374
Date	Jul 21, 2020
Book Page	003476/004374
Instrument	3374786

Lender

Name	MORTGAGE SOLUTIONS/CO
Type	Mortgage Company
Address	COLORADO SPRINGS, CO 80918

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 20, 2050

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,802.00 (+14.18%)	$240,811 (+12.59%) Land $100,722 Building $140,089	$240,811 (+12.59%) Land $100,722 Building $140,089
2023	$2,454.00 (+6.97%)	$213,890 (+5.83%) Land $81,474 Building $132,416	$213,890 (+5.83%) Land $81,474 Building $132,416
2022	$2,294.00	$202,109 Land $77,594 Building $124,515	$202,109 Land $77,594 Building $124,515

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

Flood

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 Record median of 33 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2020 · Hurricane Sally

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach

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	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

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 297 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

May also be available: T-Mobile.

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