Okaloosa County property record for 4227 Shadow Ln, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,321 sqft · built 2003 |
| Lot Size | 0.237 acres (10,336 sqft) |
| Owner | Individual Name on File |
| Last Sale | $260,000 (Oct 2008) |
| Tax Bill | $2,373 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Jan 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-594-7051-8 |
| Primary APN | C56-000-594-7051-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,321 sqft Living Area |
| Gross Area | 3,009 sqft |
| 1st Floor Area | 2,321 sqft |
| Flooring | Carpet |
| 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 | 10,336 sqft (0.237 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 52 sqft |
| Patio Area | 196 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4227 SHADOW LN |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-4510 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SHADOW OAK S/D LOT 19 |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 15 |
| Legal Subdivision | SHADOW OAK S/D |
| Legal Lot Number | 19 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 21002 |
4227 Shadow Ln is owned and occupied by an individual who bought it in October 2008.
Source: Okaloosa County records, as of March 10, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4227 SHADOW LN, NICEVILLE, FL 32578-4510 |
| 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 |
|---|---|
| Jul 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENTAGON FCU |
| Jan 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage PENTAGON FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 6, 2008 · Amount on File |
| Deed Sale | Oct 6, 2008 · Amount on File |
| Prior Sale | Aug 25, 2003 · Amount on File |
| Deed Document Number | 20082524384 |
| Deed Book / Page | 2861 / 377 |
| Prior Transfer Date | Jul 31, 2008 |
| Prior Transfer Doc | 0028533923 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4227 SHADOW LN, NICEVILLE, FL 32578-4510 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 4227 SHADOW LN, NICEVILLE, FL 32578-4510 |
| Document Number | 0035601300 |
|---|---|
| Date | Jul 14, 2021 |
| Book Page | 3560/1300 |
| Instrument | 3471629 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4227 SHADOW LN, NICEVILLE, FL 32578-4510 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0033822166 |
|---|---|
| Date | Jan 23, 2019 |
| Book Page | 3382/2166 |
| Instrument | 3254575 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | ALEXANDRIA, VA 22313 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2049 |
The 2025 property tax bill for 4227 Shadow Ln was $2,373 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 | $2,373.00 Homeowner's exemption | $240,391 | $414,557 Land $80,437 Building $334,120 |
| 2023 | $2,241.00 (+2.7%) Homeowner's exemption | $226,812 (+3%) | $400,960 (+6.27%) Land $67,895 Building $333,065 |
| 2022 | $2,182.00 Homeowner's exemption | $220,206 | $377,299 Land $64,662 Building $312,637 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4227 Shadow Ln in Zone X, an area of minimal flood risk, though there have been 89 flood claims nearby since 1994.
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 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 4227 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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