Okaloosa County property record for 4245 Shadow Ln, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,787 sqft · built 1997 |
| Lot Size | 0.233 acres (10,147 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $370,000 (May 2021) |
| Tax Bill | $4,335 (2025) |
| Deeds & Mortgages | May 2021 Sale & Mortgage May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-594-7060-9 |
| Primary APN | C56-000-594-7060-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,787 sqft Living Area |
| Gross Area | 2,588 sqft |
| 1st Floor Area | 1,787 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 10,147 sqft (0.233 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 161 sqft |
| Patio Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4245 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 28 |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 15 |
| Legal Subdivision | SHADOW OAK S/D |
| Legal Lot Number | 28 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 21002 |
Source: Okaloosa County records, as of December 31, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 2311 MAGNOLIA DR, LEAVENWORTH, KS 66048-7750 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 20, 2021 | Warranty Deed, Transfer · VA Mortgage CBM MORTGAGE INC |
| May 18, 2020 | Deed of Trust, Mortgage · VA Mortgage PRIME LNDG |
| Apr 17, 2017 | Warranty Deed, Transfer · VA Mortgage UNIVERSITY LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 20, 2021 · Amount on Record |
| Deed Sale | May 20, 2021 · Amount on Record |
| Prior Sale | Apr 17, 2017 · Amount on Record |
| Deed Document Number | 20213456877 |
| Deed Book / Page | 3548 / 491 |
| Prior Transfer Date | Oct 5, 2010 |
| Prior Transfer Doc | 0029550094 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | May 20, 2021 |
| Property Address | 4245 SHADOW LN, NICEVILLE, FL 32578-4510 |
| Document Number | 0035480491 |
| Book / Page | 3548 / 491 |
| Map Reference | MB 15 PG 5 |
| Instrument Date | Apr 29, 2021 |
| Instrument | 3456877 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2021 |
| Title Company | CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,590.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8 PONCE DE LEON RD, 8, CRESTVIEW, FL 32539-5205 |
| Name | Verified Name |
|---|---|
| Address | 4245 SHADOW LN, NICEVILLE, FL 32578-4510 |
| Document Number | 3548493 |
|---|---|
| Date | May 20, 2021 |
| Instrument | 3548/493 |
| Name | CBM MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4245 SHADOW LN, NICEVILLE, FL 32578-4510 |
| Document Number | 0034640075 |
| Instrument Date | May 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4245 SHADOW LN NICEVILLE FL 325784510, NICEVILLE, FL 32578-4510 |
| Document Number | 0034640075 |
|---|---|
| Date | May 26, 2020 |
| Book Page | 003464/000075 |
| Instrument | 3360235 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 25, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Apr 17, 2017 |
| Property Address | 4245 SHADOW LN, NICEVILLE, FL 32578-4510 |
| Document Number | 0032952208 |
| Book / Page | 003295 / 002208 |
| Instrument Date | Apr 14, 2017 |
| Instrument | 3129080 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2017 |
| Title Company | FIRST INT'L TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,907.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 607 KATHLEEN CT NICEVILLE FL 325782109, NICEVILLE, FL 32578-2109 |
| Document Number | 32952210 |
|---|---|
| Date | Apr 17, 2017 |
| Book Page | 003295/002210 |
| Instrument | 3129081 |
| Name | UNIVERSITY LNDG |
|---|---|
| Address | SOUTHFIELD, MI 48034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 16, 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 | $4,335.00 (+2.17%) | $367,865 (+3.16%) Land $80,437 Building $287,428 | $367,865 (+3.16%) Land $80,437 Building $287,428 |
| 2023 | $4,243.00 (+5.31%) | $356,613 (+6.24%) Land $67,895 Building $288,718 | $356,613 (+6.24%) Land $67,895 Building $288,718 |
| 2022 | $4,029.00 | $335,668 Land $64,662 Building $271,006 | $335,668 Land $64,662 Building $271,006 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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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