Okaloosa County property record for 4215 Shadow Ln, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,122 sqft · built 2003 |
| Lot Size | 0.672 acres (29,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $345,300 (Jun 2005) |
| Tax Bill | $4,455 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Oct 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-594-7042-7 |
| Primary APN | C56-000-594-7042-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,122 sqft Living Area |
| Gross Area | 2,879 sqft |
| 1st Floor Area | 2,122 sqft |
| Flooring | Carpet |
| 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 | 29,276 sqft (0.672 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 316 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4215 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 10 |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 15 |
| Legal Subdivision | SHADOW OAK S/D |
| Legal Lot Number | 10 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 21002 |
4215 Shadow Ln is owned and occupied by two individuals who bought it in June 2005.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PSC 489 BOX 1347, APO, AE 09751-0014 |
| 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.
| Date | Document |
|---|---|
| Oct 1, 2020 | Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING |
| Oct 13, 2017 | Warranty Deed, Transfer · VA Mortgage BANK OF ENGLAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 17, 2005 · Amount on File |
| Deed Sale | Jun 17, 2005 · Amount on File |
| Prior Sale | Aug 28, 2003 · Amount on File |
| Deed Document Number | 20052233656 |
| Deed Book / Page | 2627 / 2933 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4215 SHADOW LN, NICEVILLE, FL 32578-4545 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 4215 SHADOW LN, NICEVILLE, FL 32578-4545 |
| Document Number | 0034954735 |
|---|---|
| Date | Oct 1, 2020 |
| Book Page | 3495/4735 |
| Instrument | 3395387 |
| Name | CLEARPATH LENDING |
|---|---|
| Type | Lending Institution |
| Address | IRVINE, CA 92618 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Oct 13, 2017 |
| Property Address | 4215 SHADOW LN, NICEVILLE, FL 32578-4545 |
| Document Number | 0033214679 |
| Book / Page | 003321 / 004679 |
| Instrument Date | Oct 5, 2017 |
| Instrument | 3166372 |
| Transaction Type | Transfer |
| Record Updated | Nov 23, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,275.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4215 SHADOW LN NICEVILLE FL 325784545, NICEVILLE, FL 32578-4545 |
| Document Number | 33214682 |
|---|---|
| Date | Oct 13, 2017 |
| Book Page | 003321/004682 |
| Instrument | 3166373 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 12, 2047 |
The 2025 property tax bill for 4215 Shadow Ln was $4,455 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 | $4,455.00 Homeowner's exemption | $416,963 | $430,784 Land $96,525 Building $334,259 |
| 2023 | $4,375.00 (+2.03%) Homeowner's exemption | $406,158 (+6.13%) Land $81,474 Building $324,684 | $406,158 (+6.13%) Land $81,474 Building $324,684 |
| 2022 | $4,288.00 | $382,694 Land $77,594 Building $305,100 | $382,694 Land $77,594 Building $305,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4215 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 4215 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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