2425 Duncan Dr, Niceville, FL 32578 Property Records

Okaloosa County property record for 2425 Duncan Dr, Niceville, FL 32578

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,363 sqft · built 2004
Lot Size	0.367 acres (16,010 sqft)
Owner	Individual Name on Record
Last Sale	$585,000 (Dec 2013)
Tax Bill	$7,473 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`C56-000-593-2725-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-593-2725-4`
Alternative APN	`09-1S-22-0730-0007-0130`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	3 Stories
Building Area	3,363 sqft Heated Area
Gross Area	4,662 sqft
1st Floor Area	1,822 sqft
Upper Floors Area	612 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2004
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	16,010 sqft (0.367 acres)
Lot Width	80 ft Width
Garage Type	Finished
Garage Area	692 sqft

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	535 sqft
Patio Area	72 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2425 DUNCAN DR
City	NICEVILLE
State	FL
Zip	32578-2915
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EDGE WATER VILLAGE S/D LOT 13 BLK 7
Legal Range	22
Legal Township	01S
Legal Section	09
Legal Subdivision	EDGE WATER VILLAGE S/D
Legal Block	7
Legal Lot Number	13
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	3
Census Block	3000
Census Tract	21102

Owner

Source: Okaloosa County records, as of December 8, 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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2425 DUNCAN DR, NICEVILLE, FL 32578-2915
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2022	Deed of Trust, Mortgage · ARM THIRD FSLA OF CLEVELAND
Jun 17, 2020	Deed of Trust, Mortgage · ARM THIRD FSLA OF CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2013 · Amount on Record
Deed Sale	Dec 10, 2013 · Amount on Record
Prior Sale	Sep 4, 2002 · Amount on Record
Deed Document Number	2899569
Deed Book / Page	3128 / 4300
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	2425 DUNCAN DR, NICEVILLE, FL 32578-2915
Transaction Type	Mortgage
Record Updated	Oct 3, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036421741
Date	Sep 13, 2022
Book Page	3642/1741
Instrument	3578053

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Sep 6, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.04%
Type Change Date	Sep 6, 2027
Change Frequency	Annually
Min Rate At Change	3.04%
Max Rate At Change	7.04%
Index	Prime Rate
Max Rate	11%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	2425 DUNCAN DR, NICEVILLE, FL 32578-2915
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST SERVICES TTL OF FL LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034692222
Date	Jun 17, 2020
Book Page	3469/2222
Instrument	3366273

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.34%
Type Change Date	Jul 1, 2025
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	5.34%
Index	Prime Rate
Max Rate	9.34%

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Municipality	Niceville City
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,473.00 (+9.43%) Homeowner's exemption	$585,039 (+5.99%)	$944,082 (+0.45%) Land $258,394 Building $685,688
2023	$6,829.00 (+4.71%) Homeowner's exemption	$551,991 (+3%)	$939,857 (+7.29%) Land $248,456 Building $691,401
2022	$6,522.00 Homeowner's exemption	$535,914	$875,997 Land $225,356 Building $650,641

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 36 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	36 in force
Nearby Flood Claims	36 (1994–2020)
Claims Outside the SFHA	15 of 36
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Frances, Sep 2004 · 5 claims Hurricane Georges, Sep 1998 · 7 claims Hurricane Opal, Oct 1995 · 20 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

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.04% 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 190 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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