Okaloosa County property record for 1408 Cedar St, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,122 sqft · built 2018 |
| Lot Size | 0.322 acres (14,007 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $430,000 (Jan 2021) |
| Tax Bill | $5,032 (2025) |
| Deeds & Mortgages | Aug 2019 Mortgage Dec 2020 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-001-037-8549-9 |
| Primary APN | C56-001-037-8549-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,122 sqft Living Area |
| Gross Area | 2,766 sqft |
| 1st Floor Area | 2,122 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 14,007 sqft (0.322 acres) |
| Lot Dimensions | 200 ft deep x 70 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 182 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1408 CEDAR ST |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-9745 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DIXON S/D S 70 FT OF LOT 15 BLK E |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 24 |
| Legal Subdivision | DIXON S/D |
| Legal Block | E |
| Legal Lot Number | 15 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 21001 |
1408 Cedar St is owned and occupied by two individuals who bought it in January 2021.
Source: Okaloosa County records, as of December 31, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1408 CEDAR ST, NICEVILLE, FL 32578-9745 |
| 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 |
|---|---|
| Aug 1, 2019 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Dec 15, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jan 5, 2021 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Jun 6, 2018 | Warranty Deed, Subdivision Related Transfer · VA Mortgage CERTAINTY HOME LOANS LLC |
| Nov 13, 2017 | Deed of Trust, Mortgage · Line of Credit PEOPLES NAT'L BK |
| Sep 20, 2017 | Warranty Deed, Transfer PANHANDLE TITLE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 5, 2021 · Amount on File |
| Deed Sale | Jan 5, 2021 · Amount on File |
| Prior Sale | Jun 6, 2018 · Amount on File |
| Deed Document Number | 20213419346 |
| Deed Book / Page | 3516 / 1172 |
| Prior Transfer Date | Feb 10, 2014 |
| Prior Transfer Doc | 0031352377 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 1408 CEDAR ST, NICEVILLE, FL 32578-9745 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034114150 |
|---|---|
| Date | Aug 1, 2019 |
| Book Page | 3411/4150 |
| Instrument | 3295229 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 348 Months |
| Due | Aug 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 1408 CEDAR ST, NICEVILLE, FL 32578-9745 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0035120850 |
|---|---|
| Date | Dec 15, 2020 |
| Book Page | 3512/850 |
| Instrument | 3414943 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 336 Months |
| Due | Dec 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jan 5, 2021 |
| Property Address | 1408 CEDAR ST, NICEVILLE, FL 32578-9745 |
| Document Number | 0035161172 |
| Book / Page | 3516 / 1172 |
| Map Reference | MB 2 PG 54 |
| Instrument Date | Dec 30, 2020 |
| Instrument | 3419346 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | BRIGHT LIGHT LAND TITLE COMPANY LLC, BRIGHT LIGHT LAND TTL CO LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,010.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10 SONATA ST, 10, FREEPORT, FL 32439-6573 |
| Name | Verified Name |
|---|---|
| Address | 1408 CEDAR ST, NICEVILLE, FL 32578-9745 |
| Document Number | 0035161174 |
|---|---|
| Date | Jan 5, 2021 |
| Instrument | 3516/1174 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 6, 2018 |
| Property Address | 1408 CEDAR ST, NICEVILLE, FL 32578-9745 |
| Document Number | 0033531775 |
| Book / Page | 3353 / 1775 |
| Map Reference | MB2 PG54 |
| Instrument Date | May 29, 2018 |
| Instrument | 3211620 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | PANHANDLE TITLE INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15 BLUEWATER POINT DR, 15, NICEVILLE, FL 32578-4503 |
| Name | Verified Name |
|---|---|
| Address | 1408 CEDAR ST, NICEVILLE, FL 32578-9745 |
| Document Number | 0003211621 |
|---|---|
| Date | Jun 6, 2018 |
| Instrument | 3211621 |
| Name | CERTAINTY HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 1408 CEDAR ST, NICEVILLE, FL 32578-9745 |
| Document Number | 0033261480 |
| Book / Page | 003326 / 001480 |
| Instrument Date | Nov 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 15 BLUEWATER POINT DR NICEVILLE FL 325784503, NICEVILLE, FL 32578-4503 |
| Document Number | 0033261480 |
|---|---|
| Date | Nov 16, 2017 |
| Book Page | 003326/001480 |
| Instrument | 3172786 |
| Name | PEOPLES NAT'L BK |
|---|---|
| Type | Bank |
| Address | NICEVILLE, FL 32578 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 15, 2037 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 20, 2017 |
| Property Address | 1408 CEDAR ST, NICEVILLE, FL 32578-9745 |
| Document Number | 0033181925 |
| Book / Page | 003318 / 001925 |
| Instrument Date | Sep 18, 2017 |
| Instrument | 3161224 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2017 |
| Title Company | PANHANDLE TITLE INC |
| Amount | Amount on Record |
|---|---|
| Tax | $420.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 15 BLUEWATER POINT DR NICEVILLE FL 325784503, NICEVILLE, FL 32578-4503 |
The 2025 property tax bill for 1408 Cedar St was $5,032 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 | $5,032.00 Homeowner's exemption | $465,947 Land $90,929 Building $375,018 | $465,947 Land $90,929 Building $375,018 |
| 2023 | $4,896.00 (+2.36%) Homeowner's exemption | $449,985 (+3%) | $464,822 (+6.4%) Land $67,895 Building $396,927 |
| 2022 | $4,783.00 Homeowner's exemption | $436,879 Land $64,662 Building $372,217 | $436,879 Land $64,662 Building $372,217 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1408 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 risk around 1408 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.
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 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 |
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