Okaloosa County property record for 4397 Windrush Dr, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,733 sqft · built 1993 |
| Lot Size | 0.485 acres (21,107 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $765,000 (Jun 2026) |
| Tax Bill | $4,093 (2025) |
| Deeds & Mortgages | Dec 2021 Line of Credit Jun 2026 Sale & Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | C56-000-596-8091-8 |
| Primary APN | C56-000-596-8091-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,733 sqft Living Area |
| Gross Area | 4,109 sqft |
| 1st Floor Area | 2,733 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 21,107 sqft (0.485 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Porch | Florida Room |
| Porch Area | 432 sqft |
| Patio Area | 460 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 4397 WINDRUSH DR |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-4811 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTHWIND PH V AMENDED UNIT 17 & PARCEL N OF LOT 17 & S OF LAKE & E1/2 LOT 16 (16A) AS OR 1939-30 |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 26 |
| Legal Subdivision | SOUTHWIND PH V AMENDED |
| Legal Phase | 5 |
| Legal Lot Number | 170 |
| Legal Unit | 17 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 21001 |
Source: Okaloosa County records, as of June 23, 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 | 4397 WINDRUSH DR, NICEVILLE, FL 32578-4811 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Dec 6, 2021 | Deed of Trust, Mortgage · Line of Credit ALLIANT CU |
| Jun 10, 2026 | Warranty Deed, Transfer · VA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Nov 8, 2019 | Deed of Trust, Mortgage · Conventional Mortgage EGLIN FCU |
| Oct 21, 2020 | Loan Modification, Mortgage · Conventional Mortgage EGLIN FCU |
| Dec 17, 2018 | Warranty Deed, Transfer · ARM TRUSTMARK NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 10, 2026 · Amount on Record |
| Deed Sale | Jun 10, 2026 · Amount on Record |
| Prior Sale | Dec 17, 2018 · Amount on Record |
| Deed Document Number | 20263821725 |
| Prior Transfer Date | Apr 15, 2025 |
| Prior Transfer Doc | 0003748205 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4397 WINDRUSH DR, NICEVILLE, FL 32578-4811 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4397 WINORUSH DR, NICEVILLE, FL 32578-4811 |
| Document Number | 0035911558 |
|---|---|
| Date | Dec 6, 2021 |
| Book Page | 3591/1558 |
| Instrument | 3510485 |
| Name | ALLIANT CU |
|---|---|
| Type | Credit Union |
| Address | CHICAGO, IL 60666 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 16, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 10, 2026 |
| Property Address | 4397 WINDRUSH DR, NICEVILLE, FL 32578-4811 |
| Document Number | 0003821725 |
| Instrument Date | Jun 9, 2026 |
| Instrument | 20263821725 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2026 |
| Title Company | BENCHMARK MORTGAGE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $540,855.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4397 WINDRUSH DR, NICEVILLE, FL 32578-4811 |
| Document Number | 0003821726, |
|---|---|
| Date | Jun 10, 2026 |
| Instrument | 20263821726 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|
| 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 | 4397 WINDRUSH DR, NICEVILLE, FL 32578-4811 |
| Transaction Type | Mortgage |
| Record Updated | May 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0034281036 |
|---|---|
| Date | Nov 8, 2019 |
| Book Page | 3428/1036 |
| Instrument | 3317182 |
| Name | EGLIN FCU |
|---|---|
| Type | Credit Union |
| Address | FORT WALTON BEACH, FL 32547 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4397 WINDRUSH DR, NICEVILLE, FL 32578-4811 |
| Document Number | 0035004663 |
| Instrument Date | Oct 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4397 WINDRUSH DR NICEVILLE FL 325784811, NICEVILLE, FL 32578-4811 |
| Document Number | 0035004663 |
|---|---|
| Date | Oct 23, 2020 |
| Book Page | 003500/004663 |
| Instrument | 3401764 |
| Name | EGLIN FCU |
|---|---|
| Type | Credit Union |
| Address | FORT WALTON BEACH, FL 32547 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 22, 2050 |
| Rate | 3% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Dec 17, 2018 |
| Property Address | 4397 WINDRUSH DR, NICEVILLE, FL 32578-4811 |
| Document Number | 0033782953 |
| Book / Page | 3378 / 2953 |
| Map Reference | MB 11 PG 100 |
| Instrument Date | Dec 14, 2018 |
| Instrument | 3248867 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2022 |
| Title Company | MTI TITLE INS AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,199.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 143 BID A WEE LN, 143, PANAMA CITY BEACH, FL 32413-2762 |
| Name | Verified Name |
|---|---|
| Address | 4397 WINDRUSH DR, NICEVILLE, FL 32578-4811 |
| Document Number | 0003248868 |
|---|---|
| Date | Dec 17, 2018 |
| Instrument | 3248868 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Jan 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 9.25% |
| Index | 1-Year LIBOR |
| Max Rate | 9.25% |
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 | $4,093.00 (+5.41%) | $378,942 (+5.99%) | $610,938 (+0.76%) Land $145,417 Building $465,521 |
| 2023 | $3,883.00 (+3.8%) Homeowner's exemption | $357,536 (+4.19%) | $606,327 (+6.91%) Land $134,432 Building $471,895 |
| 2022 | $3,741.00 Homeowner's exemption | $343,147 | $567,126 Land $128,030 Building $439,096 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 197 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 197 in force |
| Nearby Flood Claims | 79 (1994–2020) |
| Claims Outside the SFHA | 44 of 79 |
| 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 | 0.04% 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 | 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 65 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 |
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