1740 Thomas St, Niceville, FL 32578 Property Records

Okaloosa County property record for 1740 Thomas St, Niceville, FL 32578

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,097 sqft · built 2002
Lot Size	0.2 acres (8,728 sqft)
Owner	Individual Name on File
Last Sale	$299,000 (Jul 2026)
Tax Bill	$2,833 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-594-9820-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-594-9820-4`
Alternative APNs	`16-1S-22-0810-0004-0110` `22S116081000040110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,097 sqft Living Area
Gross Area	1,393 sqft
1st Floor Area	1,097 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	8,728 sqft (0.2 acres)
Lot Width	97 ft Width
Garage Type	Attached
Garage Area	260 sqft
Porch	Finished/Open Porch
Porch Area	72 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1740 THOMAS ST
City	NICEVILLE
State	FL
Zip	32578-3391
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EMORY THOMAS S/D BEG SE COR LOT 11 W 115.89FT N 73.94FT TO NEW S R/W VALP BLVD E ALG R/W 115.82FT S 73.92FT TO POB (PARCEL A)
Legal Range	22W
Legal Township	01S
Legal Section	16
Legal Subdivision	VALP
Legal Block	4
Legal Lot Number	11
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	4
Census Block	4074
Census Tract	21102

Owner

1740 Thomas St is owned and occupied by an individual who bought it in July 2026.

Source: Okaloosa County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	1740 THOMAS ST, NICEVILLE, FL 32578-3391
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2026 · Amount on File
Deed Sale	Jul 31, 2026 · Amount on File
Prior Sale	Aug 29, 2008 · Amount on File
Deed Document Number	20263830715
Prior Transfer Date	Jul 12, 2002
Prior Transfer Doc	0001937337
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 31, 2026
Property Address	1740 THOMAS ST, NICEVILLE, FL 32578-3391
Document Number	0003830715
Instrument Date	Jul 22, 2026
Instrument	20263830715
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$211,393.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1740 THOMAS ST, NICEVILLE, FL 32578-3391

Mortgage

Document Number	0003830716,
Date	Jul 31, 2026
Instrument	20263830716

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 1740 Thomas St was $2,833.

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	$2,833.00	$219,366 Land $75,217 Building $144,149	$219,366 Land $75,217 Building $144,149
2023	$2,160.00 (+7.36%)	$178,388 (+6.28%) Land $34,918 Building $143,470	$178,388 (+6.28%) Land $34,918 Building $143,470
2022	$2,012.00	$167,855 Land $33,255 Building $134,600	$167,855 Land $33,255 Building $134,600

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

Flood

FEMA maps place 1740 Thomas St 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	Hurricane Sally, Sep 2020 · 17 claims Hurricane Frances, Sep 2004 · 54 claims Hurricane Opal, Oct 1995 · 60 claims

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 1740 Thomas St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Direct 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 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

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 410 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
AT&T Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20