4345 Hidden Lakes Dr E, Niceville, FL 32578 Property Records

Okaloosa County property record for 4345 Hidden Lakes Dr E, Niceville, FL 32578

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,206 sqft · built 1993
Lot Size	0.192 acres (8,363 sqft)
Owner	Individual Name on Record
Last Sale	$259,900 (Feb 2014)
Tax Bill	$2,990 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2021 Document + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-596-1480-0`

Property Details

APN / Parcel Number

Primary APN	`C56-000-596-1480-0`
Alternative APNs	`22-1S-22-2000-0000-0280` `22S122200000000280`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,206 sqft Living Area
Gross Area	2,772 sqft
1st Floor Area	1,618 sqft
Upper Floors Area	588 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	8,363 sqft (0.192 acres)
Garage Type	Attached
Garage Area	546 sqft
Porch	Finished/Open Porch
Porch Area	20 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	4345 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 28
Legal Range	22W
Legal Township	01S
Legal Section	22
Legal Subdivision	HIDDEN LAKES
Legal Lot Number	28
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	3
Census Block	3017
Census Tract	21002

Owner

Source: Okaloosa County records, as of December 31, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4345 HIDDEN LAKES DR E, NICEVILLE, FL 32578-4196
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Sep 21, 2021	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC
Nov 20, 2018	Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 6, 2014 · Amount on Record
Deed Sale	Feb 6, 2014 · Amount on Record
Deed Document Number	20142908663
Deed Book / Page	3135 / 172
Prior Transfer Date	Oct 28, 2010
Prior Transfer Doc	0029582871
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4345 HIDDEN LAKES DR E, NICEVILLE, FL 32578-4196
Transaction Type	Mortgage
Record Updated	Feb 13, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4345 HIDDEN LAKES DR E, NICEVILLE, FL 32578-4196

Mortgage

Document Number	0035751401
Date	Sep 21, 2021
Book Page	3575/1401
Instrument	3490301

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

September 2021:

Jurisdiction	OKALOOSA FL
Recording Date	Sep 21, 2021
Property Address	4345 HIDDEN LAKES DR E, NICEVILLE, FL 32578-4196
Document Number	0035751399
Book / Page	3575 / 1399
Map Reference	MB 14 PG 1
Instrument Date	Sep 10, 2021
Instrument	3490300
Record Updated	Oct 8, 2021
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	166 MEADOWBROOK CT, 166, NICEVILLE, FL 32578-9700

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4345 HIDDEN LAKES DR E, NICEVILLE, FL 32578-4196

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4345 HIDDEN LAKES DR E, NICEVILLE, FL 32578-4196
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033751938
Date	Nov 20, 2018
Book Page	3375/1938
Instrument	3244048

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 6, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,990.00 (+5.58%) Homeowner's exemption	$285,314 (+5.99%)	$397,717 (+0.85%) Land $101,246 Building $296,471
2023	$2,832.00 (+2.65%) Homeowner's exemption	$269,197 (+3%)	$394,355 (+6.16%) Land $93,597 Building $300,758
2022	$2,759.00 Homeowner's exemption	$261,356	$371,475 Land $89,140 Building $282,335

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	Hurricane Frances, Sep 2004 · 49 claims Hurricane Georges, Sep 1998 · 15 claims Hurricane Opal, Oct 1995 · 17 claims

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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