Okaloosa County property record for 4232 Lancaster Dr, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,556 sqft · built 2013 |
| Lot Size | 0.309 acres (13,484 sqft) |
| Owner | Individual Name on File |
| Last Sale | $445,000 (Sep 2023) |
| Tax Bill | $4,236 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Sep 2023 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | C56-000-594-7123-5 |
| Primary APN | C56-000-594-7123-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 3 Stories |
| Building Area | 2,556 sqft Heated Area |
| Gross Area | 2,978 sqft |
| 1st Floor Area | 852 sqft |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2013 |
|---|---|
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 13,484 sqft (0.309 acres) |
| Lot Width | 74 ft Width |
| Porch | Open Porch |
| Porch Area | 422 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 4232 LANCASTER DR |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-4500 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TOWER ACRES S/D LOT 9 BLK B |
| Legal Range | 22 |
| Legal Township | 01S |
| Legal Section | 15 |
| Legal Subdivision | TOWER ACRES S/D |
| Legal Block | B |
| Legal Lot Number | 9 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 21002 |
4232 Lancaster Dr is owned and occupied by an individual who bought it in September 2023.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4232 LANCASTER DR, NICEVILLE, FL 32578-4500 |
| 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 |
|---|---|
| Mar 9, 2026 | Deed of Trust, Mortgage · VA Mortgage LOANDRONE INC |
| Sep 27, 2023 | Warranty Deed, Transfer · VA Mortgage NEW AMERICAN FUNDING |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 27, 2023 · Amount on File |
| Deed Sale | Sep 27, 2023 · Amount on File |
| Prior Sale | May 5, 2014 · Amount on File |
| Deed Document Number | 3649084 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4232 LANCASTER DR, NICEVILLE, FL 32578-4500 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4232 LANCASTER DR, NICEVILLE, FL 32578-4500 |
| Document Number | 0003803042 |
|---|---|
| Date | Mar 9, 2026 |
| Instrument | 3803042 |
| Name | LOANDRONE INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 27, 2023 |
| Property Address | 4232 LANCASTER DR, NICEVILLE, FL 32578-4500 |
| Document Number | 0003649084 |
| Map Reference | MB 4 PG 60 |
| Instrument Date | Sep 18, 2023 |
| Instrument | 3649084 |
| Transaction Type | Transfer |
| Record Updated | Nov 6, 2023 |
| Title Company | TRINITY TITLE/TX LLC, TRINITY TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,115.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 127 HOBSON AVE, CRESTVIEW, FL 32539-6767 |
| Name | Verified Name |
|---|---|
| Address | 4232 LANCASTER DR, NICEVILLE, FL 32578-4500 |
| Document Number | 0003649085 |
|---|---|
| Date | Sep 27, 2023 |
| Instrument | 3649085 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
The 2025 property tax bill for 4232 Lancaster Dr was $4,236 with a homeowner's exemption.
Source: Okaloosa County assessment roll, as of July 1, 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 | $4,236.00 Homeowner's exemption | $398,427 | $419,095 Land $36,197 Building $382,898 |
| 2023 | $5,366.00 (+7.11%) | $479,792 (+6.24%) Land $30,552 Building $449,240 | $479,792 (+6.24%) Land $30,552 Building $449,240 |
| 2022 | $5,010.00 | $451,618 Land $29,097 Building $422,521 | $451,618 Land $29,097 Building $422,521 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4232 Lancaster Dr in Zone X, an area of moderate flood risk, within 100 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 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 4232 Lancaster Dr is low, with a 0.04% 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 | 0.04% 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 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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