1509 Pine St, Niceville, FL 32578 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,274 sqft · built 1961
Lot Size	0.466 acres (20,307 sqft)
Owner	2 Individual Names on Record
Tax Bill	$555 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jan 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-596-5317-0`

Property Details

APN / Parcel Number

Primary APN	`C56-000-596-5317-0`
Alternative APNs	`24-1S-22-223A-000B-0250` `22S124223A000B0250`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,274 sqft Living Area
Gross Area	2,138 sqft
1st Floor Area	1,274 sqft
Flooring	Tile

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	20,307 sqft (0.466 acres)
Lot Width	100 ft Width
Garage Type	Attached
Garage Area	864 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1509 PINE ST
City	NICEVILLE
State	FL
Zip	32578-9785
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEMINOLE S/D LOT 25 BLK B
Legal Range	22W
Legal Township	01S
Legal Section	24
Legal Subdivision	SEMINOLE S/D
Legal Block	B
Legal Lot Number	25
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	2
Census Block	2000
Census Tract	21001

Owner

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	1509 PINE ST, NICEVILLE, FL 32578-9785
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Deed of Trust, Mortgage · VA Mortgage ADVANTAGEFIRST LNDG INC
Jan 5, 2023	Deed of Trust, Mortgage · VA Mortgage ADVANTAGEFIRST LENDING INC
May 10, 2022	Deed, Transfer
Apr 12, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 17, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 16, 2022
Transfer Doc	0036210366
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Recording Date	Aug 3, 2026
Property Address	1509 PINE ST, NICEVILLE, FL 32578-9785
Document Number	0003830895
Instrument Date	Jul 21, 2026
Instrument	20263830895
Transaction Type	Mortgage
Record Updated	Aug 14, 2026
Title Company	FIRST TITLE, FIRST STOCKTON TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate, 156
Address	1509 PINE ST, NICEVILLE, FL 32578-9785

Mortgage

Document Number	0003830895,
Date	Aug 3, 2026
Instrument	20263830895

Lender

Name	ADVANTAGEFIRST LNDG INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.49%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	1509 PINE ST, NICEVILLE, FL 32578-9785
Transaction Type	Mortgage
Record Updated	Jan 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1509 PINE ST, NICEVILLE, FL 32578-9785

Mortgage

Document Number	0036571772
Date	Jan 5, 2023
Book Page	3657/1772
Instrument	3599365

Lender

Name	ADVANTAGEFIRST LENDING INC
Type	Lending Institution
Address	RANCHO SANTA MARGARITA, CA 92688

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 10, 2022
Property Address	1509 PINE ST, NICEVILLE, FL 32578-9785
Document Number	0036210366
Book / Page	3621 / 366
Map Reference	MB 2 PG 157
Instrument Date	Apr 16, 2022
Instrument	3548943
Transaction Type	Transfer
Record Updated	Jun 13, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1509 PINE ST, 1509, NICEVILLE, FL 32578-9785

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	282 SANDY RAMP RD, DEFUNIAK SPRINGS, FL 32433-1076

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	1509 PINE ST, NICEVILLE, FL 32578-9785
Transaction Type	Mortgage
Record Updated	May 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1509 PINE ST, NICEVILLE, FL 32578-9785

Mortgage

Document Number	0035384701
Date	Apr 12, 2021
Book Page	3538/4701
Instrument	3445763

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	1509 PINE ST, NICEVILLE, FL 32578-9785
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034692875
Date	Jun 17, 2020
Book Page	3469/2875
Instrument	3366439

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	319 Months
Due	Jan 1, 2047

Tax Assessment & Valuation

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	$555.00 (+9.9%) Homeowner's exemption Veteran's exemption	$91,144 (+5.99%)	$206,932 (+7.58%) Land $90,929 Building $116,003
2023	$505.00 (+4.99%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$85,995 (+3%)	$192,359 (+28.74%) Land $67,895 Building $124,464
2022	$481.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$83,490	$149,417 Land $64,662 Building $84,755

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

Flood

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 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

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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