Okaloosa County property record for 4232 Shadow Ln, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,536 sqft · built 2003 |
| Lot Size | 0.229 acres (9,999 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $575,000 (Jul 2022) |
| Tax Bill | $5,244 (2023) |
| Deeds & Mortgages | Jul 2022 Mortgage Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-594-7090-6 |
| Primary APN | C56-000-594-7090-6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,536 sqft Heated Area |
| Gross Area | 3,418 sqft |
| 1st Floor Area | 2,536 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 9,999 sqft (0.229 acres) |
| Garage Type | Finished |
| Garage Area | 440 sqft |
| Porch | Enclosed Porch |
| Porch Area | 242 sqft |
| Patio Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 4232 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 58 |
| Legal Range | 22 |
| Legal Township | 01S |
| Legal Section | 15 |
| Legal Subdivision | SHADOW OAK S/D |
| Legal Lot Number | 58 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 21002 |
Source: Okaloosa County records · APN C56-000-594-7090-6
Assessment roll updated July 1, 2025 · Last verified December 2025
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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4232 SHADOW LN, NICEVILLE, FL 32578-4511 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 19, 2022 | Deed of Trust, Mortgage · VA Mortgage USAA FSB |
| Aug 03, 2020 | Deed of Trust, Mortgage · VA Mortgage BEACH COMMUNITY MORTGAGE SERVICES INC |
| Aug 20, 2018 | Warranty Deed, Transfer · VA Mortgage PRIME LNDG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 15, 2022 · Amount on Record |
| Deed Sale | Jul 15, 2022 · Amount on Record |
| Prior Sale | Jun 11, 2003 · Amount on Record |
| Deed Document Number | 0036331972 |
| Deed Book / Page | 3363 / 5001 |
| Prior Transfer Date | Aug 20, 2018 |
| Prior Transfer Doc | 3227138 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4232 SHADOW LN, NICEVILLE, FL 32578-4511 |
| Transaction Type | Mortgage |
| Record Updated | Aug 09, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0036331974 |
|---|---|
| Date | Jul 19, 2022 |
| Book Page | 3633/1974 |
| Instrument | 3565445 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Address | SAN ANTONIO, TX 78288 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4232 SHADOW LN, NICEVILLE, FL 32578-4511 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034800436 |
|---|---|
| Date | Aug 03, 2020 |
| Book Page | 3480/436 |
| Instrument | 3378331 |
| Name | BEACH COMMUNITY MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WALTON BEACH, FL 32548 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Aug 20, 2018 |
| Property Address | 4232 SHADOW LN, NICEVILLE, FL 32578-4511 |
| Document Number | 0033635001 |
| Book / Page | 003363 / 005001 |
| Instrument Date | Aug 16, 2018 |
| Instrument | 3227138 |
| Transaction Type | Transfer |
| Record Updated | Sep 13, 2018 |
| Title Company | NATIONWIDE TITLE CLEARING INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,653.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 112 SANDY SPRINGS DR BONAIRE GA 310054816, BONAIRE, GA 31005-4816 |
| Document Number | 33640001 |
|---|---|
| Date | Aug 20, 2018 |
| Book Page | 003364/000001 |
| Instrument | 3227139 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 19, 2048 |
Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | Homeowner's exemption Disabled Person's exemption Veteran's exemption | $530,848 (+9.63%) Land $80,437 Building $450,411 | $530,848 (+9.63%) Land $80,437 Building $450,411 |
| 2023 | $5,244.00 (+53.96%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $484,209 (+50.31%) Land $67,895 Building $416,314 | $484,209 (+6.32%) Land $67,895 Building $416,314 |
| 2022 | $3,406.00 Homeowner's exemption | $322,134 | $455,420 Land $64,662 Building $390,758 |
Source: FEMA National Flood Hazard Layer as of March 8, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 360 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | OKALOOSA COUNTY BLUEWATER BAY-RAINTREE serves 17,592 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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