405 Crystal Ln, Niceville, FL 32578 Property Records

Okaloosa County property record for 405 Crystal Ln, Niceville, FL 32578

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,462 sqft · built 1975
Lot Size	0.183 acres (7,999 sqft)
Owner	Owner Name on File
Last Sale	$254,500 (Jul 2013)
Tax Bill	$2,428 (2025)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-595-3801-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-595-3801-7`
Alternative APN	`17-1S-22-4001-0002-0080`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,462 sqft Heated Area
Gross Area	3,048 sqft
1st Floor Area	837 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	7,999 sqft (0.183 acres)
Lot Width	80 ft Width
Garage Type	Finished
Garage Area	441 sqft
Porch	Open Porch
Porch Area	145 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	405 CRYSTAL LN
City	NICEVILLE
State	FL
Zip	32578-3510
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM EST UNIT #2 LOT 8 BLK 2
Legal Range	22
Legal Township	01S
Legal Section	17
Legal Subdivision	PALM ESTATES UNIT 2
Legal Block	2
Legal Lot Number	8
Legal Unit	2
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	2
Census Block	2026
Census Tract	21102

Owner

The current owner of 405 Crystal Ln bought it in July 2013.

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

Owner of Record	Owner Name on File
Mailing Address	405 CRYSTAL LN, NICEVILLE, FL 32578-3510
Occupancy	Owner Occupied

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 19, 2013 · Amount on File
Deed Sale	Jul 19, 2013 · Amount on File
Prior Sale	Jan 13, 2005 · Amount on File
Deed Document Number	2869668
Deed Book / Page	3107 / 1141
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	405 CRYSTAL LN, NICEVILLE, FL 32578-3510
Document Number	0034691881
Instrument Date	Jun 10, 2020
Transaction Type	Mortgage
Record Updated	Aug 10, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	405 CRYSTAL LN NICEVILLE FL 325783510, NICEVILLE, FL 32578-3510

Mortgage

Document Number	0034691881
Date	Jun 17, 2020
Book Page	003469/001881
Instrument	3366210

Lender

Name	UNIVERSITY LNDG
Address	SOUTHFIELD, MI 48034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 16, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 405 Crystal Ln was $2,428 with a homeowner's exemption.

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	$2,428.00 Homeowner's exemption	$217,541	$350,542 Land $82,250 Building $268,292
2023	$2,206.00 (+5.05%) Homeowner's exemption	$205,252 (+3%)	$339,895 (+6.79%) Land $69,425 Building $270,470
2022	$2,100.00 Homeowner's exemption	$199,274	$318,278 Land $66,119 Building $252,159

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

Flood

FEMA maps place 405 Crystal 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 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 File median of 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	3 (1994–2005)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Apr 2005 · river or lake flooding

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 405 Crystal Ln is low, with less than 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 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 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 455 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

May also be available: AT&T, Verizon.

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