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403 Deepwater Ln, Niceville, FL 32578 Property Records

Okaloosa County property record for 403 Deepwater Ln, Niceville, FL 32578

Property Summary

Property TypeSingle Family Home
Details3 bd · 4 ba · 2,991 sqft · built 2014
Lot Size0.344 acres (14,976 sqft)
Owner2 Company Names on File
Last Sale$130,000 (Aug 2013)
Tax Bill$6,821 (2025)
Deeds & MortgagesApr 2021 Mortgage
May 2020 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APNC56-000-593-2910-2

Property Details

APN / Parcel Number

Primary APNC56-000-593-2910-2
Alternative APNs
  • 09-1S-22-1901-0000-0020
  • 22S109190100000020

Interior

Bedrooms3 Beds
Full Baths4 Baths
Stories2 Stories
Building Area2,991 sqft Living Area
Gross Area4,134 sqft
1st Floor Area2,141 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2014
Effective Year BuiltEffective 2014
Exterior MaterialBrick
Roof TypeCathedral/Clerestory
Roof MaterialWood
Lot Area14,976 sqft (0.344 acres)
Garage TypeAttached
Garage Area462 sqft
PorchFlorida Room
Porch Area681 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address403 DEEPWATER LN
CityNICEVILLE
StateFL
Zip32578-2985
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSARA ANNE HARBOR LOT 2
Legal Range22W
Legal Township01S
Legal Section09
Legal SubdivisionSARA ANNE HARBOR
Legal Lot Number2
JurisdictionOKALOOSA FL
Township / Civil DivisionNICEVILLE-VALPARAISO
Census Block Group4
Census Block4010
Census Tract21102

Owner

403 Deepwater Ln is owned by a company that acquired it in May 2020 and is owner-occupied.

Source: Okaloosa County records, as of December 31, 2025

Owner of Record2 Company Names on File
Mailing AddressPO BOX 1732, NICEVILLE, FL 32588-1732
OccupancyOwner Occupied
Owner TypeCompany
VestingBorrower in Default

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

DateDocument
Apr 22, 2021Deed of Trust, Mortgage · VA Mortgage
NAVY FCU
May 14, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY
Jan 27, 2017Deed of Trust, Mortgage · VA Mortgage
NAVY FCU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 6, 2013 · Amount on File
Deed SaleAug 6, 2013 · Amount on File
Deed Document Number20132873966
Deed Book / Page3110 / 2415
Last Transfer DateMay 7, 2020
Transfer Doc0034620998
Record UpdatedJun 8, 2026

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address403 DEEPWATER LN, NICEVILLE, FL 32578-2985
Transaction TypeMortgage
Record UpdatedMay 19, 2021
Title CompanyNAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address403 DEEPWATER LN, NICEVILLE, FL 32578-2985

Mortgage

Document Number0035412440
DateApr 22, 2021
Book Page3541/2440
Instrument3448890
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueMay 1, 2051

May 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOKALOOSA FL
Recording DateMay 14, 2020
Property Address403 DEEPWATER LN, NICEVILLE, FL 32578-2985
Document Number0034620998
Book / Page003462 / 000998
Instrument DateMay 7, 2020
Instrument3358276
Transaction TypeTransfer
Record UpdatedJun 26, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address403 DEEPWATER LN NICEVILLE FL 325782985, NICEVILLE, FL 32578-2985

January 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address403 DEEPWATER LN, NICEVILLE, FL 32578-2985
Document Number0032854979
Book / Page003285 / 004979
Instrument DateJan 27, 2017
Transaction TypeMortgage
Record UpdatedFeb 16, 2017
Title CompanyNAVY FEDERAL TITLE SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address403 DEEPWATER LN NICEVILLE FL 325782985, NICEVILLE, FL 32578-2985

Mortgage

Document Number0032854979
DateFeb 2, 2017
Book Page003285/004979
Instrument3115670
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueFeb 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 403 Deepwater Ln was $6,821 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,821.00 Homeowner's exemption$568,115$881,366 Land $201,094 Building $680,272
2023$6,469.00 (+2.39%) Homeowner's exemption$536,023 (+3%)$855,471 (+6.04%) Land $169,738 Building $685,733
2022$6,318.00 Homeowner's exemption$520,411$806,734 Land $161,655 Building $645,079

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

Flood

FEMA maps place 403 Deepwater Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 329 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies329 in force
Nearby Flood Claims168 (1991–2021)
Claims Outside the SFHA36 of 168
Most Recent ClaimSep 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 403 Deepwater Ln is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 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 202 locations within half a mile, as of December 31, 2025

ProviderMax 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
AT&T
Fixed Wireless · Fiber in parts of the area		100 / 20

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