Okaloosa County property record for 413 Harding Rd, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,287 sqft · built 2004 |
| Lot Size | 0.23 acres (10,008 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $207,000 (Mar 2006) |
| Tax Bill | $1,361 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-592-2552-4 |
| Primary APN | C56-000-592-2552-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,287 sqft Living Area |
| Gross Area | 1,955 sqft |
| 1st Floor Area | 1,287 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 10,008 sqft (0.23 acres) |
| Lot Width | 75 ft Width |
| Garage Type | Attached |
| Garage Area | 428 sqft |
| Porch | Florida Room |
| Porch Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 413 HARDING RD |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-3349 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VALPARAISO P/C #6 LOT 18 & S1/2 LOT 19 BLK 29 |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 05 |
| Legal Subdivision | VALPARAISO P/C |
| Legal Block | 29 |
| Legal Lot Number | 18A |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 4 |
| Census Block | 4023 |
| Census Tract | 21102 |
413 Harding Rd is owned and occupied by two individuals who bought it in March 2006.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 413 HARDING RD, NICEVILLE, FL 32578-3349 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 6, 2006 · Amount on File |
| Deed Sale | Mar 6, 2006 · Amount on File |
| Prior Sale | Oct 20, 2004 · Amount on File |
| Deed Document Number | 20062309182 |
| Deed Book / Page | 2691 / 4287 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 413 Harding Rd was $1,361 with a homeowner's exemption.
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 | $1,361.00 Homeowner's exemption | $145,405 | $267,503 Land $43,979 Building $223,524 |
| 2023 | $1,273.00 (+3.33%) Homeowner's exemption | $137,191 (+3%) | $269,694 (+6.15%) Land $35,574 Building $234,120 |
| 2022 | $1,232.00 Homeowner's exemption | $133,195 | $254,068 Land $33,880 Building $220,188 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 413 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 413 Harding Rd 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 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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 202 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 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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