Okaloosa County property record for 4278 Shadow Ln, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,588 sqft · built 2004 |
| Lot Size | 0.386 acres (16,796 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $50,000 (Sep 2003) |
| Tax Bill | $3,798 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-594-7073-2 |
| Primary APN | C56-000-594-7073-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 2,588 sqft Living Area |
| Gross Area | 3,974 sqft |
| 1st Floor Area | 2,588 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 16,796 sqft (0.386 acres) |
| Garage Type | Attached |
| Garage Area | 1,102 sqft |
| Driveway | Driveway |
| Porch | Florida Room |
|---|---|
| Porch Area | 254 sqft |
| Patio Area | 30 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4278 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 41 |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 15 |
| Legal Subdivision | SHADOW OAK S/D |
| Legal Lot Number | 41 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 21002 |
4278 Shadow Ln is owned and occupied by two individuals who acquired it in April 2017.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4278 SHADOW LN, NICEVILLE, FL 32578-4511 |
| 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 |
|---|---|
| Dec 2, 2022 | Deed of Trust, Mortgage · Line of Credit EGLIN FCU |
| Dec 7, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jun 6, 2017 | Quit Claim Deed, Transfer · VA Mortgage JG WENTWORTH HM LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 25, 2003 · Amount on File |
| Deed Sale | Sep 25, 2003 · Amount on File |
| Prior Sale | Sep 11, 2001 · Amount on File |
| Deed Document Number | 20032059370 |
| Deed Book / Page | 2477 / 2076 |
| Last Transfer Date | Apr 26, 2017 |
| Transfer Doc | 0033023407 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4278 SHADOW LN, NICEVILLE, FL 32578-4511 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4278 SHADOW LN, NICEVILLE, FL 32578-4511 |
| Document Number | 0036531659 |
|---|---|
| Date | Dec 2, 2022 |
| Book Page | 3653/1659 |
| Instrument | 3593909 |
| Name | EGLIN FCU |
|---|---|
| Type | Credit Union |
| Address | FORT WALTON BEACH, FL 32547 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4278 SHADOW LN, NICEVILLE, FL 32578-4511 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0035101338 |
|---|---|
| Date | Dec 7, 2020 |
| Book Page | 3510/1338 |
| Instrument | 3412749 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 317 Months |
| Due | May 1, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 6, 2017 |
| Property Address | 4278 SHADOW LN, NICEVILLE, FL 32578-4511 |
| Document Number | 0033023407 |
| Book / Page | 003302 / 003407 |
| Instrument Date | Apr 26, 2017 |
| Instrument | 3139297 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4278 SHADOW LN NICEVILLE FL 325784511, NICEVILLE, FL 32578-4511 |
| Document Number | 33023409 |
|---|---|
| Date | Jun 6, 2017 |
| Book Page | 003302/003409 |
| Instrument | 3139298 |
| Name | JG WENTWORTH HM LNDG |
|---|---|
| Address | WOODBRIDGE, VA 22192 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 5, 2047 |
The 2025 property tax bill for 4278 Shadow Ln was $3,798 with exemptions applied.
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 | $3,798.00 Homeowner's exemption Veteran's exemption | $374,715 | $550,242 Land $83,949 Building $466,293 |
| 2023 | $3,263.00 (+2.55%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $317,735 (+3%) | $510,058 (+4.53%) Land $70,859 Building $439,199 |
| 2022 | $3,182.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $308,481 | $487,947 Land $67,484 Building $420,463 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4278 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 4278 Shadow Ln 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 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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 230 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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