Okaloosa County property record for 4220 Shadow Ln, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,225 sqft · built 2003 |
| Lot Size | 0.232 acres (10,124 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $577,500 (Apr 2022) |
| Tax Bill | $4,896 (2025) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Jul 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-594-7094-8 |
| Primary APN | C56-000-594-7094-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,225 sqft Living Area |
| Gross Area | 3,079 sqft |
| 1st Floor Area | 2,225 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 10,124 sqft (0.232 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 413 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4220 SHADOW LN |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-4511 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SHADOW OAK S/D LOT 62 |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 15 |
| Legal Subdivision | SHADOW OAK S/D |
| Legal Lot Number | 62 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 21002 |
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 | 4220 SHADOW LN, NICEVILLE, FL 32578-4511 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 21, 2022 | Warranty Deed, Transfer · VA Mortgage CMG MORTGAGE INC |
| Jul 9, 2020 | Warranty Deed, Transfer · VA Mortgage PRIVATE INDIVIDUAL |
| Jul 21, 2020 | Correction Deed, Transfer CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC |
| Jun 1, 2017 | Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 21, 2022 · Amount on Record |
| Deed Sale | Apr 21, 2022 · Amount on Record |
| Prior Sale | Jul 9, 2020 · Amount on Record |
| Deed Document Number | 20223544220 |
| Deed Book / Page | 3617 / 3082 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Apr 21, 2022 |
| Property Address | 4220 SHADOW LN, NICEVILLE, FL 32578-4511 |
| Document Number | 0036173082 |
| Book / Page | 3617 / 3082 |
| Map Reference | MB 15 PG 5 |
| Instrument Date | Apr 19, 2022 |
| Instrument | 3544220 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | BRIGHT LIGHT LAND TITLE COMPANY LLC, BRIGHT LIGHT LAND TTL CO LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,042.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 415 LARCH AVE, 415, OWATONNA, MN 55060-2122 |
| Name | Verified Name |
|---|---|
| Address | 4220 SHADOW LN, NICEVILLE, FL 32578-4511 |
| Document Number | 0036173084 |
|---|---|
| Date | Apr 21, 2022 |
| Instrument | 3617/3084 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 9, 2020 |
| Property Address | 4220 SHADOW LN, NICEVILLE, FL 32578-4511 |
| Document Number | 0034742795 |
| Book / Page | 003474 / 002795 |
| Instrument Date | Jul 9, 2020 |
| Instrument | 3372075 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2020 |
| Title Company | CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,940.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4220 SHADOW LN NICEVILLE FL 325784511, NICEVILLE, FL 32578-4511 |
| Document Number | 34742797 |
|---|---|
| Date | Jul 9, 2020 |
| Book Page | 003474/002797 |
| Instrument | 3372076 |
| Name | PRIVATE INDIVIDUAL |
|---|---|
| Type | Private Party |
| Address | PENSACOLA, FL 32501 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 8, 2050 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 21, 2020 |
| Property Address | 4220 SHADOW LN, NICEVILLE, FL 32578-4511 |
| Document Number | 0034764576 |
| Book / Page | 003476 / 004576 |
| Instrument Date | Jul 9, 2020 |
| Instrument | 3374831 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2020 |
| Title Company | CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4220 SHADOW LN NICEVILLE FL 325784511, NICEVILLE, FL 32578-4511 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 1, 2017 |
| Property Address | 4220 SHADOW LN, NICEVILLE, FL 32578-4511 |
| Document Number | 0033014713 |
| Book / Page | 3301 / 4713 |
| Map Reference | MB15 PG5 |
| Instrument Date | May 24, 2017 |
| Instrument | 3138358 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | MCNEEE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6194 BARMOT DR, 6194, GREENSBORO, NC 27455-8326 |
| Name | Verified Name |
|---|---|
| Address | 4220 SHADOW LN, NICEVILLE, FL 32578-4511 |
| Document Number | 0003138359 |
|---|---|
| Date | Jun 1, 2017 |
| Instrument | 3138359 |
| Name | FIFTH THIRD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2047 |
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 | $4,896.00 (+5.43%) Homeowner's exemption | $454,456 (+5.99%) | $454,755 (+2.01%) Land $80,437 Building $374,318 |
| 2023 | $4,644.00 (-1.51%) Homeowner's exemption | $428,784 (+1.96%) | $445,814 (+6.01%) Land $67,895 Building $377,919 |
| 2022 | $4,715.00 | $420,530 Land $64,662 Building $355,868 | $420,530 Land $64,662 Building $355,868 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
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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