Okaloosa County property record for 4209 Shadow Ln, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,645 sqft · built 2003 |
| Lot Size | 0.438 acres (19,068 sqft) |
| Owner | Individual Name on File |
| Last Sale | $418,000 (Aug 2019) |
| Tax Bill | $5,755 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-594-7040-1 |
| Primary APN | C56-000-594-7040-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,645 sqft Living Area |
| Gross Area | 3,631 sqft |
| 1st Floor Area | 2,645 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 19,068 sqft (0.438 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Open/Unfinished Porch |
| Porch Area | 350 sqft |
| Patio Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4209 SHADOW LN |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-4545 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SHADOW OAK S/D LOT 8 |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 15 |
| Legal Subdivision | SHADOW OAK S/D |
| Legal Lot Number | 8 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 21002 |
4209 Shadow Ln is owned and occupied by an individual who acquired it in September 2024.
Source: Okaloosa County records, as of May 11, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4209 SHADOW LN, NICEVILLE, FL 32578-4545 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Apr 29, 2026 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Feb 1, 2021 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC |
| Jan 10, 2020 | Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE AFFINITY LLC |
| Aug 22, 2019 | Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 22, 2019 · Amount on File |
| Deed Sale | Aug 22, 2019 · Amount on File |
| Prior Sale | May 30, 2003 · Amount on File |
| Deed Document Number | 20193299851 |
| Deed Book / Page | 3415 / 1450 |
| Last Transfer Date | Sep 30, 2024 |
| Transfer Doc | 0003713929 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Apr 29, 2026 |
| Property Address | 4209 SHADOW LN, NICEVILLE, FL 32578-4545 |
| Document Number | 0003813536 |
| Instrument Date | Nov 21, 2024 |
| Instrument | 20263813536 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | ROCKET MORTGAGE |
| Name | Verified Name |
|---|---|
| Address | 4209 SHADOW LN, NICEVILLE, FL 32578-4545 |
| Document Number | 0003813536, |
|---|---|
| Date | Apr 29, 2026 |
| Instrument | 20263813536 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 297 Months |
| Due | Jan 1, 2051 |
| Rate | 6.54% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4209 SHADOW LN, NICEVILLE, FL 32578-4545 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0035221667 |
|---|---|
| Date | Feb 1, 2021 |
| Book Page | 3522/1667 |
| Instrument | 3426314 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4209 SHADOW LN, NICEVILLE, FL 32578-4545 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034380215 |
|---|---|
| Date | Jan 10, 2020 |
| Book Page | 3438/0215 |
| Instrument | 3329591 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 356 Months |
| Due | Sep 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Aug 22, 2019 |
| Property Address | 4209 SHADOW LN, NICEVILLE, FL 32578-4545 |
| Document Number | 0034151450 |
| Book / Page | 3415 / 1450 |
| Map Reference | MB 15 PG 5 |
| Instrument Date | Aug 5, 2019 |
| Instrument | 3299851 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | BRIGHT LIGHT LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,926.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1991 WESTHAMPTON CT, 1991, VERO BEACH, FL 32966-5141 |
| Name | Verified Name |
|---|---|
| Address | 4209 SHADOW LN, NICEVILLE, FL 32578-4545 |
| Document Number | 0034151452 |
|---|---|
| Date | Aug 22, 2019 |
| Instrument | 3415-1452 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
The 2025 property tax bill for 4209 Shadow Ln was $5,755.
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 | $5,755.00 | $527,283 Land $88,481 Building $438,802 | $527,283 Land $88,481 Building $438,802 |
| 2023 | $5,557.00 (+80.48%) Homeowner's exemption | $505,476 (+3%) | $520,669 (+6.1%) Land $74,684 Building $445,985 |
| 2022 | $3,079.00 Homeowner's exemption Veteran's exemption | $490,753 Land $71,128 Building $419,625 | $490,753 Land $71,128 Building $419,625 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4209 Shadow Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File 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.
Wildfire risk around 4209 Shadow Ln 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 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within 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 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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