1406 Cedar St, Niceville, FL 32578 Property Records

Okaloosa County property record for 1406 Cedar St, Niceville, FL 32578

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,412 sqft · built 2007
Lot Size	0.459 acres (19,998 sqft)
Owner	Individual Name on File
Last Sale	$523,000 (Sep 2022)
Tax Bill	$4,744 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-596-5257-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-596-5257-8`
Alternative APNs	`24-1S-22-0640-000E-0170` `22S1240640000E0170`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,412 sqft Living Area
Gross Area	3,420 sqft
1st Floor Area	2,412 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	19,998 sqft (0.459 acres)
Lot Width	100 ft Width
Garage Type	Attached
Garage Area	483 sqft
Porch	Finished/Open Porch
Porch Area	525 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1406 CEDAR ST
City	NICEVILLE
State	FL
Zip	32578-9745
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DIXON S/D N1/2 OF LOT 17 BLK E
Legal Range	22W
Legal Township	01S
Legal Section	24
Legal Subdivision	DIXON S/D
Legal Block	E
Legal Lot Number	17
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	2
Census Block	2012
Census Tract	21001

Owner

1406 Cedar St is owned by an individual who bought it in September 2022.

Source: Okaloosa County records, as of December 31, 2025

Owner of Record	Individual Name on File
Mailing Address	3603 POLO RUN DR, FLOWER MOUND, TX 75028-8726
Owner Type	Individual
Vesting	Married Couple

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 13, 2022 · Amount on File
Deed Sale	Sep 13, 2022 · Amount on File
Prior Sale	Jun 16, 2010 · Amount on File
Deed Document Number	20223578132
Deed Book / Page	3642 / 1993
Prior Transfer Date	Jan 26, 2007
Prior Transfer Doc	0027631757
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 13, 2022
Property Address	1406 CEDAR ST, NICEVILLE, FL 32578-9745
Document Number	0036421993
Book / Page	3642 / 1993
Map Reference	MB 2 PG 54
Instrument Date	Sep 12, 2022
Instrument	3578132
Transaction Type	Transfer
Record Updated	Oct 3, 2022
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,661.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1050 BREEZY ACRES RD, 1050, PENSACOLA, FL 32534-9745

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3603 POLO RUN DR, FLOWER MOUND, TX 75028-8726
Investor	Possibly a Property Investor

Mortgage

Document Number	0036421995
Date	Sep 13, 2022
Instrument	3642/1995

Lender

Name	PREMIER HOME FUNDING CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 1406 Cedar St was $4,744.

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	$4,744.00	$402,524 Land $90,929 Building $311,595	$402,524 Land $90,929 Building $311,595
2023	$4,727.00 (+91.53%)	$397,264 (+62.81%) Land $67,895 Building $329,369	$397,264 (+6.07%) Land $67,895 Building $329,369
2022	$2,468.00 Homeowner's exemption	$244,011	$374,547 Land $64,662 Building $309,885

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1406 Cedar St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2004.

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 49 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	49 in force
Nearby Flood Claims	2 (2004–2021)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2021 · rainfall accumulation

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 1406 Cedar St 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 65% of the US · lower than 91% 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.

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 158 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
AT&T Fixed Wireless	100 / 20