Okaloosa County property record for 428 Lilac Ct, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,189 sqft · built 2013 |
| Lot Size | 0.217 acres (9,447 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $285,000 (Mar 2013) |
| Deeds & Mortgages | Jun 2026 Mortgage Jul 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-592-1459-3 |
| Primary APN | C56-000-592-1459-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,189 sqft Living Area |
| Gross Area | 2,892 sqft |
| 1st Floor Area | 2,189 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 9,447 sqft (0.217 acres) |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Porch | Slab |
| Porch Area | 151 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 428 LILAC CT |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-3272 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FAIRWOOD PH III-A LOT 17 |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 05 |
| Legal Subdivision | FAIRWOOD PH III-A |
| Legal Phase | 3 |
| Legal Block | 73 |
| Legal Lot Number | 17 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 21102 |
Source: Okaloosa County records, as of June 24, 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 | 428 LILAC CT, NICEVILLE, FL 32578-3272 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 15, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jul 30, 2020 | Warranty Deed, Transfer · VA Mortgage WATERSTONE MTG CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 13, 2013 · Amount on Record |
| Deed Sale | Mar 13, 2013 · Amount on Record |
| Prior Sale | Oct 4, 2012 · Amount on Record |
| Deed Document Number | 20132840297 |
| Deed Book / Page | 3084 / 2610 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 15, 2026 |
| Property Address | 428 LILAC CT, NICEVILLE, FL 32578-3272 |
| Document Number | 0003822311 |
| Instrument Date | Jun 10, 2026 |
| Instrument | 20263822311 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | ROCKET MORTGAGE LLC |
| Name | Verified Name |
|---|---|
| Address | 428 LILAC CT, NICEVILLE, FL 32578-3272 |
| Document Number | 0003822311, |
|---|---|
| Date | Jun 15, 2026 |
| Instrument | 20263822311 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 30, 2020 |
| Property Address | 428 LILAC CT, NICEVILLE, FL 32578-3272 |
| Document Number | 0034784913 |
| Book / Page | 003478 / 004913 |
| Instrument Date | Jul 23, 2020 |
| Instrument | 3377255 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2020 |
| Title Company | LIGHTHOUSE LAND TITLE COMPANY, LIGHTHOUSE LAND TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,045.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 428 LILAC CT NICEVILLE FL 325783272, NICEVILLE, FL 32578-3272 |
| Document Number | 34784914 |
|---|---|
| Date | Jul 30, 2020 |
| Book Page | 003478/004914 |
| Instrument | 3377256 |
| Name | WATERSTONE MTG CORP |
|---|---|
| Type | Mortgage Company |
| Address | PEWAUKEE, WI 53072 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 29, 2050 |
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Niceville City |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | Homeowner's exemption Veteran's exemption | $420,317 (+5.99%) | $508,310 (+2.58%) Land $103,563 Building $404,747 |
| 2023 | Homeowner's exemption Disabled Person's exemption Veteran's exemption | $396,574 | $495,509 Land $87,415 Building $408,094 |
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 19 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 3 (1994–2005) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Apr 2005 · river or lake flooding |
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 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 | CITY OF NICEVILLE serves 22,243 people · EPA ID FL1460147 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | 5 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 411 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 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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