4124 Beach Dr, Niceville, FL 32578 Property Records

Okaloosa County property record for 4124 Beach Dr, Niceville, FL 32578

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,989 sqft · built 1992
Lot Size	0.485 acres (21,140 sqft)
Owner	2 Individual Names on File
Last Sale	$902,300 (Aug 2019)
Tax Bill	$11,777 (2025)
Deeds & Mortgages	Jul 2017 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`C56-000-593-2637-1`

Property Details

APN / Parcel Number

Primary APN	`C56-000-593-2637-1`
Alternative APNs	`09-1S-22-0250-0004-001A` `22S10902500004001A`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,989 sqft Living Area
Gross Area	6,330 sqft
1st Floor Area	391 sqft
Upper Floors Area	1,371 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	21,140 sqft (0.485 acres)
Lot Width	91 ft Width
Garage Type	Detached
Garage Area	624 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	684 sqft
Patio Area	1,375 sqft
Boat Access	Boat Access
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4124 BEACH DR
City	NICEVILLE
State	FL
Zip	32578-2980
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BENTON S/D COM NE COR LOT 2 BLK 4 W65 FT S309.8 FT E91.3 FT ALG W/E N309 FT TO POB
Legal Range	22W
Legal Township	01S
Legal Section	09
Legal Subdivision	BENTON S/D
Legal Block	4
Legal Lot Number	2
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	3
Census Block	3006
Census Tract	21102

Owner

4124 Beach Dr is owned and occupied by two individuals who bought it in August 2019.

Source: Okaloosa County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4124 BEACH DR, NICEVILLE, FL 32578-2980
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Jul 27, 2017	Deed of Trust, Mortgage · Commercial Mortgage COMPASS BANK
Aug 6, 2019	Warranty Deed, Transfer BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2019 · Amount on File
Deed Sale	Aug 6, 2019 · Amount on File
Prior Sale	Jun 4, 2010 · Amount on File
Deed Document Number	20193295887
Deed Book / Page	3412 / 2357
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4124 BEACH DR, NICEVILLE, FL 32578-2980
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033101919
Date	Jul 27, 2017
Book Page	3310/1919
Instrument	3150019

Lender

Name	COMPASS BANK
Type	Bank
Address	BIRMINGHAM, AL 35203

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	420 Months
Due	Jul 6, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 6, 2019
Property Address	4124 BEACH DR, NICEVILLE, FL 32578-2980
Document Number	0034122357
Book / Page	003412 / 002357
Instrument Date	Jul 31, 2019
Instrument	3295887
Transaction Type	Transfer
Record Updated	Aug 22, 2019
Title Company	BRADLEY TITLE CORPORATION, BRADLEY TITLE CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,315.92
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4124 BEACH DR NICEVILLE FL 325782980, NICEVILLE, FL 32578-2980

Mortgage

Document Number	34122358
Date	Aug 6, 2019
Book Page	003412/002358
Instrument	3295888

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 5, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4124 Beach Dr was $11,777 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,777.00 Homeowner's exemption	$951,862	$1,139,256 Land $389,247 Building $750,009
2023	$11,187.00 (+15.68%) Homeowner's exemption	$898,093 (+15.78%)	$1,144,661 (+17.98%) Land $374,276 Building $770,385
2022	$9,671.00 Homeowner's exemption	$775,684	$970,195 Land $339,480 Building $630,715

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

Flood

FEMA maps place 4124 Beach Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 36 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	36 in force
Nearby Flood Claims	36 (1994–2020)
Claims Outside the SFHA	15 of 36
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Frances, Sep 2004 · 5 claims Hurricane Georges, Sep 1998 · 7 claims Hurricane Opal, Oct 1995 · 20 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 4124 Beach Dr is low, with a 0.03% annual chance of 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	0.03% annual chance
Exposure	Direct burnable vegetation

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 190 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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