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4398 Windlake Dr, Niceville, FL 32578 Property Records

Okaloosa County property record for 4398 Windlake Dr, Niceville, FL 32578

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 3,194 sqft · built 1992
Lot Size0.363 acres (15,822 sqft)
Owner2 Company Names on Record
Last Sale$790,000 (Sep 2017)
Tax Bill$8,963 (2025)
Deeds & MortgagesJun 2020 Transfer
Mar 2020 Transfer
+ 2 more
Flood ZoneZone X (moderate risk)
APNC56-000-596-8123-9

Property Details

APN / Parcel Number

Primary APNC56-000-596-8123-9
Alternative APNs
  • 26-1S-22-461F-0000-0190
  • 22S126461F00000190

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,194 sqft Living Area
Gross Area4,194 sqft
1st Floor Area2,337 sqft
Upper Floors Area857 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 1992
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialWood
Lot Area15,822 sqft (0.363 acres)
Lot Width83 ft Width
Garage TypeAttached
Garage Area612 sqft
PorchFinished/Open Porch
Porch Area388 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address4398 WINDLAKE DR
CityNICEVILLE
StateFL
Zip32578-4813
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSOUTHWIND PH VI UNIT 19
Legal Range22W
Legal Township01S
Legal Section26
Legal SubdivisionSOUTHWIND PH VI
Legal Phase6
Legal Lot Number190
Legal Unit19
JurisdictionOKALOOSA FL
Township / Civil DivisionNICEVILLE-VALPARAISO
Census Block Group1
Census Block1005
Census Tract21001

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 Record2 Company Names on Record
Mailing Address4398 WINDLAKE DR, NICEVILLE, FL 32578-4813
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Family Trust

Deeds, Mortgages & Sale History

DateDocument
Jun 15, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY
Mar 13, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY
Oct 14, 2019Warranty Deed, Transfer
ATTORNEY ONLY
Sep 25, 2017Warranty Deed, Transfer · VA Mortgage
CENTENNIAL BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 25, 2017 · Amount on Record
Deed SaleSep 25, 2017 · Amount on Record
Prior SaleJul 13, 2015 · Amount on Record
Deed Document Number20173161725
Deed Book / Page3318 / 3632
Last Transfer DateMay 30, 2020
Transfer Doc0034684963
Record UpdatedJun 8, 2026

June 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOKALOOSA FL
Recording DateJun 15, 2020
Property Address4398 WINDLAKE DR, NICEVILLE, FL 32578-4813
Document Number0034684963
Book / Page003468 / 004963
Instrument DateMay 30, 2020
Instrument3365719
Transaction TypeTransfer
Record UpdatedAug 6, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address4398 WINDLAKE DR NICEVILLE FL 325784813, NICEVILLE, FL 32578-4813

March 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOKALOOSA FL
Recording DateMar 13, 2020
Property Address4398 WINDLAKE DR, NICEVILLE, FL 32578-4813
Document Number0034493281
Book / Page003449 / 003281
Instrument DateMar 7, 2020
Instrument3344465
Transaction TypeTransfer
Record UpdatedMay 21, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address4398 WINDLAKE DR NICEVILLE FL 325784813, NICEVILLE, FL 32578-4813

October 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateOct 14, 2019
Property Address4398 WINDLAKE DR, NICEVILLE, FL 32578-4813
Document Number0034233877
Book / Page003423 / 003877
Instrument DateOct 2, 2019
Instrument3311004
Transaction TypeTransfer
Record UpdatedOct 30, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address4398 WINDLAKE DR NICEVILLE FL 325784813, NICEVILLE, FL 32578-4813

September 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateSep 25, 2017
Property Address4398 WINDLAKE DR, NICEVILLE, FL 32578-4813
Document Number0033183632
Book / Page3318 / 3632
Map ReferenceMB11 PG74
Instrument DateSep 19, 2017
Instrument3161725
Transaction TypeTransfer
Record UpdatedJan 10, 2022
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 1226, LIVINGSTON, AL 35470-1226

Transferred To (Grantee/Buyer)

NameVerified Name
Address4398 WINDLAKE DR, NICEVILLE, FL 32578-4813

Mortgage

Document Number0003161726
DateSep 25, 2017
Instrument3161726
Lender
NameCENTENNIAL BANK
TypeBank
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$8,963.00 (+5.17%) Homeowner's exemption$792,151 (+5.99%)$994,961 (-0.1%) Land $354,595 Building $640,366
2023$8,522.00 (+2.77%) Homeowner's exemption$747,404 (+3.49%)$995,917 (+7.95%) Land $340,956 Building $654,961
2022$8,292.00 Homeowner's exemption$722,227$922,596 Land $309,258 Building $613,338

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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 197 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies197 in force
Nearby Flood Claims79 (1994–2020)
Claims Outside the SFHA44 of 79
Most Recent ClaimSep 2020 · Hurricane Sally
Claims by Event
  • Hurricane Sally, Sep 2020 · 13 claims
  • Hurricane Frances, Sep 2004 · 21 claims
  • Hurricane Opal, Oct 1995 · 19 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 RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemOKALOOSA COUNTY BLUEWATER BAY-RAINTREE
serves 17,592 people · EPA ID FL1460775
Water SourceGroundwater
Last State InspectionMay 2023
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 323 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
LiveOak Fiber
Fiber		5,000 / 5,000
Cox Communications
Cable		2,000 / 100

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