Okaloosa County property record for 4279 Shadow Ln, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,697 sqft · built 1999 |
| Lot Size | 0.343 acres (14,949 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $635,000 (May 2024) |
| Tax Bill | $2,438 (2024) |
| Deeds & Mortgages | Jun 2026 Mortgage Sep 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-594-7072-4 |
| Primary APN | C56-000-594-7072-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,697 sqft Living Area |
| Gross Area | 3,746 sqft |
| 1st Floor Area | 2,697 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 14,949 sqft (0.343 acres) |
| Garage Type | Attached |
| Garage Area | 525 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 524 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4279 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 40 |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 15 |
| Legal Subdivision | SHADOW OAK S/D |
| Legal Lot Number | 40 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 21002 |
Source: Okaloosa County records, as of June 16, 2026
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 Record |
|---|---|
| Mailing Address | 4279 SHADOW LN, NICEVILLE, FL 32578-4510 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 5, 2026 | Deed of Trust, Mortgage · VA Mortgage US MORTGAGE CAPITAL INC |
| Sep 19, 2025 | Deed of Trust, Mortgage · VA Mortgage TRUSTED MORTGAGE CAPITAL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 3, 2024 · Amount on Record |
| Deed Sale | May 3, 2024 · Amount on Record |
| Prior Sale | Oct 2, 2001 · Amount on Record |
| Deed Document Number | 20243685921 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 5, 2026 |
| Property Address | 4279 SHADOW LN, NICEVILLE, FL 32578-4510 |
| Document Number | 0003820679 |
| Instrument Date | May 30, 2026 |
| Instrument | 20263820679 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | AMERICAN LAND TITLE ASSOCIATION, AMERICAN LAND TITLE ASSOCIAT |
| Name | Verified Name |
|---|---|
| Address | 4279 SHADOW LN, NICEVILLE, FL 32578-4510 |
| Document Number | 0003820679, |
|---|---|
| Date | Jun 5, 2026 |
| Instrument | 20263820679 |
| Name | US MORTGAGE CAPITAL INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4279 SHADOW LN, NICEVILLE, FL 32578-4510 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2025 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS COMPANY |
| Name | Verified Name |
|---|---|
| Address | 4279 SHADOW LN, NICEVILLE, FL 32578-4510 |
| Document Number | 0003774036 |
|---|---|
| Date | Sep 19, 2025 |
| Instrument | 3774036 |
| Name | TRUSTED MORTGAGE CAPITAL INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
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 | $482,132 (+102.46%) Land $83,949 Building $398,183 | $482,132 (+5.9%) Land $83,949 Building $398,183 | |
| 2024 | $2,438.00 (+2.65%) | ||
| 2023 | $2,375.00 (+2.64%) Homeowner's exemption | $238,136 (+3%) | $455,251 (+7.17%) Land $70,859 Building $384,392 |
| 2022 | $2,314.00 Homeowner's exemption | $231,200 | $424,783 Land $67,484 Building $357,299 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 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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