320 Killarney Rd, Niceville, FL 32578 Property Records

Okaloosa County property record for 320 Killarney Rd, Niceville, FL 32578

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,389 sqft · built 1998
Lot Size	0.655 acres (28,539 sqft)
Owner	Individual Name on Record
Last Sale	$394,857 (Jul 2014)
Tax Bill	$4,491 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-593-3158-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-593-3158-7`
Alternative APN	`09-1S-22-5022-000A-0040`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,389 sqft Heated Area
Gross Area	3,705 sqft
1st Floor Area	2,389 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	28,539 sqft (0.655 acres)
Garage Type	Finished
Garage Area	804 sqft
Porch	Open Porch
Porch Area	302 sqft
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	320 KILLARNEY RD
City	NICEVILLE
State	FL
Zip	32578-4902
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROCKY BAYOU EST UNIT 12-B LOT 4 BLK A
Legal Range	22
Legal Township	01S
Legal Section	09
Legal Subdivision	ROCKY BAYOU EST UNIT 12-B
Legal Block	A
Legal Lot Number	4
Legal Unit	12-B
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	2
Census Block	2021
Census Tract	20900

Owner

Source: Okaloosa County records, as of December 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	320 KILLARNEY RD, NICEVILLE, FL 32578-4902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2021	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK
Feb 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Sep 16, 2019	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH
Jul 1, 2019	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH
Dec 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANCORPSOUTH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2014 · Amount on Record
Deed Sale	Jul 2, 2014 · Amount on Record
Deed Document Number	2936712
Deed Book / Page	3154 / 0381
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	320 KILLARNEY RD, NICEVILLE, FL 32578-4902
Transaction Type	Mortgage
Record Updated	May 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 KILLARNEY RD, NICEVILLE, FL 32578-4902

Mortgage

Document Number	0035422070
Date	Apr 27, 2021
Book Page	3542/2070
Instrument	3450038

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	MIRAMAR BEACH, FL 32550

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 26, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	320 KILLARNEY RD, NICEVILLE, FL 32578-4902
Transaction Type	Mortgage
Record Updated	Mar 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 KILLAREY RD, NICEVILLE, FL 32578-4902

Mortgage

Document Number	0035282134
Date	Feb 26, 2021
Book Page	3528/2134
Instrument	3433381

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	320 KILLARNEY RD, NICEVILLE, FL 32578-4902
Document Number	0034213582
Instrument Date	Sep 16, 2019
Transaction Type	Mortgage
Record Updated	Oct 23, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	320 KILLARNEY RD NICEVILLE FL 325784902, NICEVILLE, FL 32578-4902

Mortgage

Document Number	0034213582
Date	Oct 1, 2019
Book Page	003421/003582
Instrument	3308355

Lender

Name	BANCORPSOUTH
Type	Bank
Address	MIRAMAR BEACH, FL 32550

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Sep 30, 2024

Interest

Rate Type	Adjustable Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	320 KILLARNEY RD, NICEVILLE, FL 32578-4902
Document Number	0034083134
Instrument Date	Jul 1, 2019
Transaction Type	Mortgage
Record Updated	Jul 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	320 KILLARNEY RD NICEVILLE FL 325784902, NICEVILLE, FL 32578-4902

Mortgage

Document Number	0034083134
Date	Jul 12, 2019
Book Page	003408/003134
Instrument	3290787

Lender

Name	BANCORPSOUTH
Type	Bank
Address	TUPELO, MS 38803-4360

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 11, 2039

Interest

Rate Type	Adjustable Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	320 KILLARNEY RD, NICEVILLE, FL 32578-4902
Document Number	0033311982
Book / Page	003331 / 001982
Instrument Date	Dec 20, 2017
Transaction Type	Mortgage
Record Updated	Jan 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	320 KILLARNEY RD NICEVILLE FL 325784902, NICEVILLE, FL 32578-4902

Mortgage

Document Number	0033311982
Date	Dec 28, 2017
Book Page	003331/001982
Instrument	3179866

Lender

Name	BANCORPSOUTH
Type	Bank
Address	TUPELO, MH 38803-4360

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$4,491.00 (+9.62%) Homeowner's exemption	$367,839 (+5.99%)	$563,234 (+2.89%) Land $122,566 Building $440,668
2023	$4,097.00 (+4.84%) Homeowner's exemption	$347,060 (+3%)	$547,438 (+6.24%) Land $108,156 Building $439,282
2022	$3,908.00 Homeowner's exemption	$336,951	$515,272 Land $103,006 Building $412,266

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 86 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	86 in force
Nearby Flood Claims	2 (1995–2012)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2012 · 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 Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 265 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

May also be available: T-Mobile.

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