Okaloosa County property record for 4203 Turtle Xing, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,363 sqft · built 1999 |
| Lot Size | 0.504 acres (21,958 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $600,000 (Mar 2018) |
| Tax Bill | $8,569 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Jun 2020 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-594-6861-1 |
| Primary APN | C56-000-594-6861-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,363 sqft Living Area |
| Gross Area | 5,360 sqft |
| 1st Floor Area | 3,363 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 21,958 sqft (0.504 acres) |
| Garage Type | Attached |
| Garage Area | 875 sqft |
| Driveway | Driveway |
| Porch | Finished/Open Porch |
| Porch Area | 1,122 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4203 TURTLE XING |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-8773 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAGNOLIA PLANTATION AT B/B LOT 51 |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 15 |
| Legal Subdivision | MAGNOLIA PLANTATION AT B/B |
| Legal Lot Number | 51 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 20800 |
Source: Okaloosa County records, as of August 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4203 TURTLE XING, NICEVILLE, FL 32578-8773 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WHITNEY BANK |
| Jun 1, 2020 | Loan Modification, Mortgage HANCOCK WHITNEY |
| Mar 23, 2018 | Warranty Deed, Transfer OLD SOUTH LAND TITLE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 23, 2018 · Amount on Record |
| Deed Sale | Mar 23, 2018 · Amount on Record |
| Deed Document Number | 20183196103 |
| Deed Book / Page | 3342 / 2603 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4203 TURTLE XING, NICEVILLE, FL 32578-8773 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4203 TURLTLE CROSSING, NICEVILLE, FL 32578-8773 |
| Document Number | 0035490210 |
|---|---|
| Date | May 25, 2021 |
| Book Page | 3549/210 |
| Instrument | 3458061 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Address | GULFPORT, MS 39501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2041 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4203 TURTLE XING, NICEVILLE, FL 32578-8773 |
| Document Number | 0034782713 |
| Instrument Date | Jun 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4203 TURTLE XING NICEVILLE FL 325788773, NICEVILLE, FL 32578-8773 |
| Document Number | 0034782713 |
|---|---|
| Date | Jul 28, 2020 |
| Book Page | 003478/002713 |
| Instrument | 3376684 |
| Name | HANCOCK WHITNEY |
|---|---|
| Address | PO BOX 2026, FLINT, MI 48501-2026 |
| Amount | Amount Recorded |
|---|---|
| Term | 216 Months |
| Due | Jul 27, 2038 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Mar 23, 2018 |
| Property Address | 4203 TURTLE XING, NICEVILLE, FL 32578-8773 |
| Document Number | 0033422603 |
| Book / Page | 3342 / 2603 |
| Map Reference | MB14 PG53 |
| Instrument Date | Mar 15, 2018 |
| Instrument | 3196103 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | OLD SOUTH LAND TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15917 CAPE CORAL DR, 15917, WIMAUMA, FL 33598-4082 |
| Name | Verified Name |
|---|---|
| Address | 1674 PARKSIDE CIR, NICEVILLE, FL 32578-8706 |
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 | $8,569.00 (-1.38%) Homeowner's exemption | $758,643 (+0.25%) Land $141,010 Building $617,633 | $758,643 (+0.25%) Land $141,010 Building $617,633 |
| 2023 | $8,689.00 (+7.09%) | $756,720 (+6.13%) Land $130,358 Building $626,362 | $756,720 (+6.13%) Land $130,358 Building $626,362 |
| 2022 | $8,114.00 | $713,014 Land $124,151 Building $588,863 | $713,014 Land $124,151 Building $588,863 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 74 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 74 in force |
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 | Low lower than 66% of the US · lower than 91% 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 | 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 230 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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