Okaloosa County property record for 148 Harding Rd, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,576 sqft · built 1996 |
| Lot Size | 0.245 acres (10,687 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $89,900 (Mar 1996) |
| Tax Bill | $1,258 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-595-3424-8 |
| Primary APN | C56-000-595-3424-8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,576 sqft Heated Area |
| Gross Area | 2,406 sqft |
| 1st Floor Area | 1,576 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 10,687 sqft (0.245 acres) |
| Lot Width | 60 ft Width |
| Garage Type | Finished |
| Garage Area | 400 sqft |
| Porch | Open Porch |
| Porch Area | 430 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 148 HARDING RD |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-3385 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM SE COR OF NE1/4 S65.16 FT TO POB N180 FT W60 FT S180 FT E60 FT TO POB |
| Legal Range | 22 |
| Legal Township | 01S |
| Legal Section | 17 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 4 |
| Census Block | 4059 |
| Census Tract | 21102 |
148 Harding Rd is owned and occupied by two individuals who bought it in March 1996.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 148 HARDING RD, NICEVILLE, FL 32578-3385 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 1996 · Amount on File |
| Deed Sale | Mar 1, 1996 · Amount on File |
| Deed Document Number | 0001989448 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 148 Harding Rd was $1,258 with exemptions applied.
Source: Okaloosa County assessment roll, as of July 1, 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 | $1,258.00 Homeowner's exemption Widower's exemption | $137,346 | $275,796 Land $79,446 Building $196,350 |
| 2023 | $1,131.00 (-0.35%) Homeowner's exemption Widower's exemption | $129,587 (+3%) | $263,308 (+5.9%) Land $67,058 Building $196,250 |
| 2022 | $1,135.00 Homeowner's exemption | $125,813 | $248,630 Land $63,865 Building $184,765 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 148 Harding Rd in Zone X, an area of minimal flood risk, though there have been 168 flood claims nearby since 1991.
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 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.
Wildfire risk around 148 Harding Rd 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 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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