1. Home
  2. Florida
  3. Okaloosa County
  4. Niceville
  5. Black Bear Cir

151 Black Bear Cir, Niceville, FL 32578 Property Records

Okaloosa County property record for 151 Black Bear Cir, Niceville, FL 32578

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,783 sqft · built 2010
Lot Size0.187 acres (8,125 sqft)
Owner2 Individual Names on Record
Last Sale$450,000 (Jun 2021)
Deeds & MortgagesJun 2021 Sale & Mortgage
Aug 2020 Mortgage
Flood ZoneZone X (minimal risk)
APNC56-001-036-9731-4

Property Details

APN / Parcel Number

Primary APNC56-001-036-9731-4
Alternative APNs
  • 05-1S-22-4550-0000-0390
  • 22S105455000000390

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,783 sqft Living Area
Gross Area2,461 sqft
1st Floor Area1,783 sqft
FlooringWood
Interior WallsCustom/Decorative

Exterior

Year BuiltBuilt 2010
Effective Year BuiltEffective 2010
Exterior MaterialBrick
Roof TypeCathedral/Clerestory
Roof MaterialWood
Lot Area8,125 sqft (0.187 acres)
Garage TypeAttached
Garage Area483 sqft
PorchFlorida Room
Porch Area195 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address151 BLACK BEAR CIR
CityNICEVILLE
StateFL
Zip32578-1282
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPRESERVE AT SWIFT CREEK REPLAT LOT 39
Legal Range22W
Legal Township01S
Legal Section05
Legal SubdivisionPRESERVE AT SWIFT CREEK
Legal Lot Number39
JurisdictionOKALOOSA FL
Township / Civil DivisionNICEVILLE-VALPARAISO
Census Block Group1
Census Block1019
Census Tract20900

Owner

Source: Okaloosa County records, as of August 27, 2026

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 Record2 Individual Names on Record
Mailing Address151 BLACK BEAR CIR, NICEVILLE, FL 32578-1282
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 7, 2021Warranty Deed, Transfer · VA Mortgage
TRIDENT HOME LOANS LLC
Aug 11, 2020Deed of Trust, Mortgage · Conventional Mortgage
SMARTBANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 7, 2021 · Amount on Record
Deed SaleJun 7, 2021 · Amount on Record
Prior SaleApr 22, 2016 · Amount on Record
Deed Document Number20213461645
Deed Book / Page3552 / 283
Record UpdatedOct 29, 2026

June 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateJun 7, 2021
Property Address151 BLACK BEAR CIR, NICEVILLE, FL 32578-1282
Document Number0035520283
Book / Page3552 / 283
Map ReferenceMB 25 PG 40&41
Instrument DateJun 2, 2021
Instrument3461645
Transaction TypeTransfer
Record UpdatedJun 30, 2021
Title CompanyCHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$3,150.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address620 TULIP TREE WAY, 620, NICEVILLE, FL 32578-3422

Transferred To (Grantee/Buyer)

NameVerified Name
Address151 BLACK BEAR CIR, NICEVILLE, FL 32578-1282

Mortgage

Document Number3552285
DateJun 7, 2021
Instrument3552/285
Lender
NameTRIDENT HOME LOANS LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2051

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address151 BLACK BEAR CIR, NICEVILLE, FL 32578-1282
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyFIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0034822610
DateAug 11, 2020
Book Page3482/2610
Instrument3380874
Lender
NameSMARTBANK
TypeBank
Address37899
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2050

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
MunicipalityNiceville City
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025Homeowner's exemption Veteran's exemption$436,933 (-2.37%) Land $121,060 Building $315,873$436,933 (-2.77%) Land $121,060 Building $315,873
2023Homeowner's exemption Disabled Person's exemption Veteran's exemption$447,545$449,378 Land $117,510 Building $331,868

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 18 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies18 in force
Nearby Flood Claims2 (2018–2019)
Most Recent ClaimJan 2019 · other causes

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 RiskLow
lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood0.03% annual chance
ExposureDirect
burnable vegetation

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 SystemCITY OF NICEVILLE
serves 22,243 people · EPA ID FL1460147
Water SourceGroundwater
Last State InspectionOct 2025
Lead5 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 142 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
LiveOak Fiber
Fiber		5,000 / 5,000
AT&T
Fiber		5,000 / 5,000
Cox Communications
Cable		2,000 / 35
Verizon
Fixed Wireless		300 / 20

May also be available: CenturyLink.

Nearby Properties on Black Bear Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures