Okaloosa County property record for 408 Evans Rd, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,476 sqft · built 1993 |
| Lot Size | 0.319 acres (13,878 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $225,000 (Mar 2023) |
| Tax Bill | $3,139 (2025) |
| Deeds & Mortgages | Sep 2026 Construction Loan Nov 2022 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-594-7129-2 |
| Primary APN | C56-000-594-7129-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,476 sqft Living Area |
| Gross Area | 3,757 sqft |
| 1st Floor Area | 2,476 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 13,878 sqft (0.319 acres) |
| Lot Width | 95 ft Width |
| Garage Type | Attached |
| Garage Area | 598 sqft |
| Driveway | Driveway |
| Porch | Screened/Unfinished Porch |
|---|---|
| Porch Area | 886 sqft |
| Patio Area | 240 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 408 EVANS RD |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-4504 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TOWER ACRES S/D LOT 1 & N15 LOT 2 BLK C |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 15 |
| Legal Subdivision | TOWER ACRES S/D |
| Legal Block | C |
| Legal Lot Number | 10 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 21002 |
Source: Okaloosa County records, as of September 16, 2026
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 |
|---|---|
| Mailing Address | 4444 W POINT LOMA BLVD, SAN DIEGO, CA 92107-1027 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Sep 4, 2026 | Deed of Trust, Mortgage · Construction Mortgage REGIONS BANK |
| Nov 10, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage THE HUNTINGTON NATIONAL BANK |
| Oct 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF LITTLE ROCK MORTGAGE CORP |
| Jun 10, 2019 | Warranty Deed, Transfer · Conventional Mortgage BANK OF LITTLE ROCK |
| May 17, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 27, 2023 · Amount on Record |
| Deed Sale | Mar 27, 2023 · Amount on Record |
| Prior Sale | Jun 10, 2019 · Amount on Record |
| Deed Document Number | 20233613890 |
| Deed Book / Page | 3667 / 3696 |
| Prior Transfer Date | May 15, 2017 |
| Prior Transfer Doc | 0032994189 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 4, 2026 |
| Property Address | 408 EVANS RD, NICEVILLE, FL 32578-4504 |
| Document Number | 0003837208 |
| Instrument Date | Aug 20, 2026 |
| Instrument | 20263837208 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 408 EVANS RD, NICEVILLE, FL 32578-4504 |
| Document Number | 0003837208, |
|---|---|
| Date | Sep 4, 2026 |
| Instrument | 20263837208 |
| Name | REGIONS BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 1, 2041 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 408 EVANS RD, NICEVILLE, FL 32578-4504 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2022 |
| Name | Verified Name |
|---|---|
| Address | 408 EVANS RD, CHOCTAW BEACH, FL 32578-4504 |
| Document Number | 0036504402 |
|---|---|
| Date | Nov 10, 2022 |
| Book Page | 3650/4402 |
| Instrument | 3590289 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | NAPLES, FL 34108 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 408 EVANS RD, NICEVILLE, FL 32578-4504 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 408 EVANS RD, NICEVILLE, FL 32578-4504 |
| Document Number | 0035022187 |
|---|---|
| Date | Oct 30, 2020 |
| Book Page | 3502/2187 |
| Instrument | 3403596 |
| Name | BANK OF LITTLE ROCK MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | LITTLE ROCK, AR 72223 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 433 Months |
| Due | Nov 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 10, 2019 |
| Property Address | 408 EVANS RD, NICEVILLE, FL 32578-4504 |
| Document Number | 0034030179 |
| Book / Page | 003403 / 000179 |
| Instrument Date | Jun 3, 2019 |
| Instrument | 3283139 |
| Transaction Type | Transfer |
| Record Updated | Jul 9, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,926.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4467 PARKWOOD SQ NICEVILLE FL 325789707, NICEVILLE, FL 32578-9707 |
| Document Number | 34030181 |
|---|---|
| Date | Jun 10, 2019 |
| Book Page | 003403/000181 |
| Instrument | 3283140 |
| Name | BANK OF LITTLE ROCK |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72223 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 9, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | May 17, 2017 |
| Property Address | 408 EVANS RD, NICEVILLE, FL 32578-4504 |
| Document Number | 0032994189 |
| Book / Page | 003299 / 004189 |
| Instrument Date | May 15, 2017 |
| Instrument | 3135504 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 408 EVANS RD NICEVILLE FL 325784504, NICEVILLE, FL 32578-4504 |
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 | $3,139.00 (+5.69%) Homeowner's exemption | $305,340 (+5.99%) | $388,068 (+2.19%) Land $70,785 Building $317,283 |
| 2023 | $2,970.00 (+2.52%) Homeowner's exemption | $288,092 (+3%) | $379,745 (+5.84%) Land $59,747 Building $319,998 |
| 2022 | $2,897.00 Homeowner's exemption | $279,701 | $358,789 Land $56,902 Building $301,887 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 218 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 278 units insured incl. 60 condo units |
| Nearby Flood Claims | 89 (1994–2020) |
| Claims Outside the SFHA | 20 of 89 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 82% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
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 | OKALOOSA COUNTY BLUEWATER BAY-RAINTREE serves 17,592 people · EPA ID FL1460775 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2023 |
| Lead | 2 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 360 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 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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