Okaloosa County property record for 4243 Lancaster Dr, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,421 sqft · built 1975 |
| Lot Size | 0.653 acres (28,433 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $365,000 (Mar 2023) |
| Tax Bill | $2,948 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Mar 2023 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-594-7110-2 |
| Primary APN | C56-000-594-7110-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,421 sqft Living Area |
| Gross Area | 1,898 sqft |
| 1st Floor Area | 1,421 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 28,433 sqft (0.653 acres) |
| Lot Width | 156 ft Width |
| Garage Type | Attached |
| Garage Area | 377 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4243 LANCASTER DR |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-4517 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TOWER ACRES S/D LOTS 8 & 9 BLK A |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 15 |
| Legal Subdivision | TOWER ACRES S/D |
| Legal Block | A |
| Legal Lot Number | 80 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 21002 |
4243 Lancaster Dr is owned by two individuals who bought it in March 2023.
Source: Okaloosa County records, as of December 31, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 250 YACHT CLUB DR, NICEVILLE, FL 32578-3736 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Apr 17, 2023 | Deed of Trust, Mortgage · Line of Credit PEOPLES NATIONAL BANK |
| Mar 27, 2023 | Warranty Deed, Transfer ALLURE TITLE COMPANY |
| Sep 12, 2017 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| Sep 12, 2017 | Warranty Deed, Transfer OLD SOUTH LAND TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 27, 2023 · Amount on File |
| Deed Sale | Mar 27, 2023 · Amount on File |
| Prior Sale | Sep 12, 2017 · Amount on File |
| Deed Document Number | 20233613765 |
| Deed Book / Page | 3667 / 3238 |
| Prior Transfer Date | Apr 10, 2007 |
| Prior Transfer Doc | 0027780723 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4243 LANCASTER DR, NICEVILLE, FL 32578-4517 |
| Transaction Type | Mortgage |
| Record Updated | May 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 250 YACHT CLUB DR, NICEVILLE, FL 32578-3736 |
| Document Number | 0036704773 |
|---|---|
| Date | Apr 17, 2023 |
| Book Page | 3670/4773 |
| Instrument | 3618108 |
| Name | PEOPLES NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | NICEVILLE, FL 32578 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 62 Months |
| Due | Jun 17, 2028 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Mar 27, 2023 |
| Property Address | 4243 LANCASTER DR, NICEVILLE, FL 32578-4517 |
| Document Number | 0036673238 |
| Book / Page | 3667 / 3238 |
| Map Reference | MB 4 PG 60 |
| Instrument Date | Mar 24, 2023 |
| Instrument | 3613765 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2023 |
| Title Company | ALLURE TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $2,555.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 120 GARNER DR, KERRVILLE, TX 78028-8562 |
| Name | Verified Name |
|---|---|
| Address | 250 YACHT CLUB DR, NICEVILLE, FL 32578-3736 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 12, 2017 |
| Property Address | 4243 LANCASTER DR, NICEVILLE, FL 32578-4517 |
| Document Number | 0033170923 |
| Book / Page | 003317 / 000923 |
| Instrument Date | Aug 31, 2017 |
| Instrument | 3159407 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2017 |
| Title Company | OLD SOUTH LAND TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 809 MAGNOLIA SHORES DR NICEVILLE FL 325783413, NICEVILLE, FL 32578-3413 |
| Document Number | 33170925 |
|---|---|
| Date | Sep 12, 2017 |
| Book Page | 003317/000925 |
| Instrument | 3159408 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 11, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 12, 2017 |
| Property Address | 4243 LANCASTER DR, NICEVILLE, FL 32578-4517 |
| Document Number | 0033170921 |
| Book / Page | 003317 / 000921 |
| Instrument Date | Aug 31, 2017 |
| Instrument | 3159406 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2018 |
| Title Company | OLD SOUTH LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $1,399.30 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 809 MAGNOLIA SHORES DR NICEVILLE FL 325783413, NICEVILLE, FL 32578-3413 |
The 2025 property tax bill for 4243 Lancaster Dr was $2,948.
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 | $2,948.00 | $250,188 Land $90,492 Building $159,696 | $250,188 Land $90,492 Building $159,696 |
| 2023 | $2,692.00 (+7%) | $235,948 (+5.87%) Land $76,382 Building $159,566 | $235,948 (+5.87%) Land $76,382 Building $159,566 |
| 2022 | $2,516.00 | $222,857 Land $72,744 Building $150,113 | $222,857 Land $72,744 Building $150,113 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4243 Lancaster Dr 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 4243 Lancaster Dr 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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