Okaloosa County property record for 142 Harding Rd, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,535 sqft · built 1997 |
| Lot Size | 0.245 acres (10,681 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $380,000 (Jun 2022) |
| Tax Bill | $3,071 (2025) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Feb 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-595-3432-1 |
| Primary APN | C56-000-595-3432-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,535 sqft Living Area |
| Gross Area | 2,179 sqft |
| 1st Floor Area | 1,535 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 10,681 sqft (0.245 acres) |
| Lot Width | 60 ft Width |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Porch | Open/Unfinished Porch |
| Porch Area | 264 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 142 HARDING RD |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-3385 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM SE COR NE1/4 OF NE1/4 W245 FT TO POB N180 FT TO SLY R/W HARDING ST W ALG R/W 60 FT S180 FT E60 FT TO POB |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 17 |
| Legal Block | 1 |
| Legal Lot Number | 1J |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 4 |
| Census Block | 4059 |
| Census Tract | 21102 |
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 | 142 HARDING RD, NICEVILLE, FL 32578-3385 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 22, 2022 | Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK |
| Feb 15, 2017 | Warranty Deed, Transfer · VA Mortgage WATERSTONE MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 22, 2022 · Amount on Record |
| Deed Sale | Jun 22, 2022 · Amount on Record |
| Prior Sale | Feb 15, 2017 · Amount on Record |
| Deed Document Number | 20223559102 |
| Deed Book / Page | 3628 / 3964 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 22, 2022 |
| Property Address | 142 HARDING RD, NICEVILLE, FL 32578-3385 |
| Document Number | 0036283964 |
| Book / Page | 3628 / 3964 |
| Instrument Date | Jun 21, 2022 |
| Instrument | 3559102 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2022 |
| Title Company | CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,660.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1464, NICEVILLE, FL 32588-1464 |
| Name | Verified Name |
|---|---|
| Address | 142 HARDING RD, NICEVILLE, FL 32578-3385 |
| Document Number | 0036283966 |
|---|---|
| Date | Jun 22, 2022 |
| Instrument | 3628/3966 |
| Name | NORTHPOINTE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Feb 15, 2017 |
| Property Address | 142 HARDING RD, NICEVILLE, FL 32578-3385 |
| Document Number | 0032872377 |
| Book / Page | 3287 / 2377 |
| Instrument Date | Feb 7, 2017 |
| Instrument | 3117862 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | PANHANDLE TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 142 HARDING RD, NICEVILLE, FL 32578-3385 |
| Document Number | 0003117863 |
|---|---|
| Date | Feb 15, 2017 |
| Instrument | 3117863 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2047 |
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Niceville City |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,071.00 (+5.64%) Homeowner's exemption | $264,409 (+2.55%) | $269,839 (+4.65%) Land $79,446 Building $190,393 |
| 2023 | $2,907.00 (+70.1%) Homeowner's exemption | $257,845 (+52.08%) Land $67,058 Building $190,787 | $257,845 (+5.93%) Land $67,058 Building $190,787 |
| 2022 | $1,709.00 Homeowner's exemption | $169,550 | $243,400 Land $63,865 Building $179,535 |
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.
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 329 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 329 in force |
| Nearby Flood Claims | 168 (1991–2021) |
| Claims Outside the SFHA | 36 of 168 |
| Most Recent Claim | Sep 2021 · rainfall accumulation |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 | CITY OF NICEVILLE serves 22,243 people · EPA ID FL1460147 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | 5 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 419 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 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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