Okaloosa County property record for 4341 Hidden Lakes Dr E, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,972 sqft · built 1998 |
| Lot Size | 0.178 acres (7,732 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $86 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-596-1478-4 |
| Primary APN | C56-000-596-1478-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,972 sqft Living Area |
| Gross Area | 2,584 sqft |
| 1st Floor Area | 1,972 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 7,732 sqft (0.178 acres) |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Porch | Florida Room |
| Porch Area | 152 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4341 HIDDEN LAKES DR E |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-4196 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HIDDEN LAKES LOT 26 |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 22 |
| Legal Subdivision | HIDDEN LAKES |
| Legal Lot Number | 26 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 21002 |
Source: Okaloosa County records, as of August 27, 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 | 4341 HIDDEN LAKES DR E, NICEVILLE, FL 32578-4196 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 1, 2026 | Deed of Trust, Mortgage · Line of Credit CAPITAL LENDING |
| Jan 20, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Apr 8, 2019 | Deed of Trust, Mortgage · VA Mortgage BNC NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 1, 2026 |
| Property Address | 4341 HIDDEN LAKES DR E, NICEVILLE, FL 32578-4196 |
| Document Number | 0003836270 |
| Instrument Date | Aug 25, 2026 |
| Instrument | 20263836270 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 4341 HIDDEN LAKES DR E, NICEVILLE, FL 32578-4196 |
| Investor | Possibly a Property Investor |
| Document Number | 0003836270, |
|---|---|
| Date | Sep 1, 2026 |
| Instrument | 20263836270 |
| Name | CAPITAL LENDING |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 21, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4341 HIDDEN LAKES DR E, NICEVILLE, FL 32578-4196 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0035193212 |
|---|---|
| Date | Jan 20, 2021 |
| Book Page | 3519/3212 |
| Instrument | 3423273 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4341 HIDDEN LAKES DR E, NICEVILLE, FL 32578-4196 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0033922769 |
|---|---|
| Date | Apr 8, 2019 |
| Book Page | 3392/2769 |
| Instrument | 3269533 |
| Name | BNC NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | GLENDALE, AZ 85308 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2049 |
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 | $86.00 Homeowner's exemption Veteran's exemption | $203,545 (+5.99%) | $377,360 (+1%) Land $101,246 Building $276,114 |
| 2023 | $86.00 (-95.38%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $192,048 (+3%) | $373,636 (+6.15%) Land $93,597 Building $280,039 |
| 2022 | $1,860.00 Homeowner's exemption | $186,454 | $351,990 Land $89,140 Building $262,850 |
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 |
|---|---|
| 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 80% of the US · lower than 93% 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 324 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 |
May also be available: AT&T.
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