1509 Cedar St, Niceville, FL 32578 Property Records

Okaloosa County property record for 1509 Cedar St, Niceville, FL 32578

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,094 sqft · built 2020
Lot Size	0.9 acres (39,197 sqft)
Owner	2 Individual Names on File
Last Sale	$515,000 (May 2025)
Tax Bill	$4,941 (2025)
Deeds & Mortgages	Aug 2020 Construction Loan Jan 2021 Sale & Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-596-5381-6`

Property Details

APN / Parcel Number

Primary APN	`C56-000-596-5381-6`
Alternative APNs	`24-1S-22-223A-000D-0330` `22S124223A000D0330`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,094 sqft Living Area
Gross Area	2,796 sqft
1st Floor Area	2,094 sqft
Upper Floors Area	500 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Mobile Home
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	39,197 sqft (0.9 acres)
Lot Width	50 ft Width
Garage Type	Attached
Garage Area	475 sqft
Porch	Finished/Open Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1509 CEDAR ST
City	NICEVILLE
State	FL
Zip	32578-8749
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEMINOLE S/D N1/2 OF LOT 33 BLK D
Legal Range	22W
Legal Township	01S
Legal Section	24
Legal Subdivision	SEMINOLE S/D
Legal Block	D
Legal Lot Number	33
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	2
Census Block	2007
Census Tract	21001

Owner

1509 Cedar St is owned and occupied by two individuals who bought it in May 2025.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	1509 CEDAR ST, NICEVILLE, FL 32578-8749
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2020	Deed of Trust, Mortgage · Construction Mortgage MORTGAE ONE OF THE SOUTH INC
Jan 25, 2021	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC
Aug 13, 2020	Loan Modification, Mortgage AMERIS BK
Aug 16, 2019	Warranty Deed, Transfer · Construction Mortgage MORTGAGE ONE/SOUTH
Jun 17, 2019	Correction Deed, Transfer NOT AVAILABLE
Jun 17, 2019	Correction Deed, Transfer NOT AVAILABLE
Jun 17, 2019	Correction Deed, Transfer NOT AVAILABLE
Jun 17, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2025 · Amount on File
Deed Sale	May 30, 2025 · Amount on File
Prior Sale	Jan 25, 2021 · Amount on File
Deed Document Number	20253757051
Prior Transfer Date	Jul 3, 2006
Prior Transfer Doc	0027201317
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	1509 CEDAR ST, NICEVILLE, FL 32578-8749
Transaction Type	Mortgage
Record Updated	Apr 21, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1576 GREENWOOD RD, BAKER, FL 32531-8460

Mortgage

Document Number	0034873113
Date	Aug 27, 2020
Book Page	3487/3113
Instrument	3386315

Lender

Name	MORTGAE ONE OF THE SOUTH INC
Type	Non-Lending Institution
Address	FORT WALTON BEACH, FL 32548

Agreement

Type	Construction Mortgage
Amount	Amount on Record

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 25, 2021
Property Address	1509 CEDAR ST, NICEVILLE, FL 32578-8749
Document Number	0035203946
Book / Page	3520 / 3946
Map Reference	MB 2 PG 57
Instrument Date	Jan 15, 2021
Instrument	3424551
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	MEAD LAW AND TITLE, MEAD LAW & TITLE PLLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,870.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 686, BAKER, FL 32531-0686

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1509 CEDAR ST, NICEVILLE, FL 32578-8749

Mortgage

Document Number	0035203948
Date	Jan 25, 2021
Instrument	3520/3948

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKALOOSA FL
Property Address	1509 CEDAR ST, NICEVILLE, FL 32578-8749
Document Number	0034834323
Instrument Date	Aug 13, 2020
Transaction Type	Mortgage
Record Updated	Sep 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1505 CEDAR ST NICEVILLE FL 325788749, NICEVILLE, FL 32578-8749
Investor	Possibly a Property Investor

Mortgage

Document Number	0034834323
Date	Aug 14, 2020
Book Page	003483/004323
Instrument	3382368

Lender

Name	AMERIS BK
Type	Bank

Agreement

Amount	Amount on Record

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 16, 2019
Property Address	1509 CEDAR ST, NICEVILLE, FL 32578-8749
Document Number	0034141898
Book / Page	003414 / 001898
Instrument Date	Aug 12, 2019
Instrument	3298532
Transaction Type	Transfer
Record Updated	Sep 4, 2019
Title Company	FIRST NATIONAL LAND TRANSFER, FIRST NAT'L LAND TRANSFER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 686 BAKER FL 325310686, BAKER, FL 32531-0686
Investor	Possibly a Property Investor

Mortgage

Document Number	34141899
Date	Aug 16, 2019
Book Page	003414/001899
Instrument	3298533

Lender

Name	MORTGAGE ONE/SOUTH
Type	Mortgage Company
Address	FORT WALTON BEACH, FL 32548

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Aug 15, 2020

June 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 17, 2019
Property Address	1509 CEDAR ST, NICEVILLE, FL 32578-8749
Document Number	0034041684
Book / Page	003404 / 001684
Instrument Date	May 31, 2019
Instrument	3285069
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$1.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7687 HIGHWAY 393 LAUREL HILL FL 325672413, LAUREL HILL, FL 32567-2413

June 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 17, 2019
Property Address	1509 CEDAR ST, NICEVILLE, FL 32578-8749
Document Number	0034041685
Book / Page	003404 / 001685
Instrument Date	May 31, 2019
Instrument	3285070
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$1.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7687 HIGHWAY 393 LAUREL HILL FL 325672413, LAUREL HILL, FL 32567-2413

June 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 17, 2019
Property Address	1509 CEDAR ST, NICEVILLE, FL 32578-8749
Document Number	0034041686
Book / Page	003404 / 001686
Instrument Date	May 31, 2019
Instrument	3285071
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$1.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7687 HIGHWAY 393 LAUREL HILL FL 325672413, LAUREL HILL, FL 32567-2413

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 17, 2019
Property Address	1509 CEDAR ST, NICEVILLE, FL 32578-8749
Document Number	0034041683
Book / Page	003404 / 001683
Instrument Date	May 31, 2019
Instrument	3285068
Transaction Type	Transfer
Record Updated	Jul 4, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7687 HIGHWAY 393 LAUREL HILL FL 325672413, LAUREL HILL, FL 32567-2413

Tax Assessment & Valuation

The 2025 property tax bill for 1509 Cedar St was $4,941.

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	$4,941.00	$458,242 Land $81,836 Building $376,406	$458,242 Land $81,836 Building $376,406
2023	$4,734.00 (-8.26%) Homeowner's exemption	$436,372 (+1.51%)	$457,494 (+6.42%) Land $61,105 Building $396,389
2022	$5,160.00	$429,888 Land $58,195 Building $371,693	$429,888 Land $58,195 Building $371,693

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

Flood

FEMA maps place 1509 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 1509 Cedar St is moderate, ranking above 45% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 172 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

May also be available: Wildstar Networks.

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