Okaloosa County property record for 405 Harding Rd, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,433 sqft · built 1985 |
| Lot Size | 0.362 acres (15,748 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,595 (2025) |
| Deeds & Mortgages | Feb 2026 Transfer Aug 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-594-9833-7 |
| Primary APN | C56-000-594-9833-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,433 sqft Living Area |
| Gross Area | 1,599 sqft |
| 1st Floor Area | 1,433 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 15,748 sqft (0.362 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 12 sqft |
| Patio Area | 154 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 405 HARDING RD |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-3349 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EMORY THOMAS S/D E105 FT OF N150 FT LOT 31 BLK 6 AS OR |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 16 |
| Legal Subdivision | EMORY THOMAS S/D |
| Legal Block | 6 |
| Legal Lot Number | 31 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 4 |
| Census Block | 4023 |
| Census Tract | 21102 |
405 Harding Rd is owned and occupied by two individuals who acquired it in February 2026.
Source: Okaloosa County records, as of September 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 405 HARDING RD, NICEVILLE, FL 32578-3349 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 23, 2026 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Aug 8, 2017 | Deed of Trust, Mortgage · Conventional Mortgage EGLIN FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Feb 12, 2026 |
| Transfer Doc | 0003800224 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Feb 23, 2026 |
| Property Address | 405 HARDING RD, NICEVILLE, FL 32578-3349 |
| Document Number | 0003800224 |
| Map Reference | MB 2 PG 43 |
| Instrument Date | Feb 12, 2026 |
| Instrument | 3800224 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 405 HARDING RD, NICEVILLE, FL 32578-3349 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 405 HARDING RD, NICEVILLE, FL 32578-3349 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0033120867 |
|---|---|
| Date | Aug 8, 2017 |
| Book Page | 3312/0867 |
| Instrument | 3152373 |
| Name | EGLIN FCU |
|---|---|
| Type | Credit Union |
| Address | FORT WALTON BEACH, FL 32547 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 18, 2027 |
The 2025 property tax bill for 405 Harding Rd was $1,595.
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,595.00 | $163,529 | $274,785 Land $99,420 Building $175,365 |
| 2023 | $1,495.00 (+3.1%) Homeowner's exemption | $154,291 (+3%) | $264,770 (+5.14%) Land $83,917 Building $180,853 |
| 2022 | $1,450.00 Homeowner's exemption | $149,797 | $251,824 Land $79,921 Building $171,903 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 Harding Rd 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 |
|
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 risk around 405 Harding Rd 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 98% of the US · lower than 97.6% 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.
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 |
| 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures