Okaloosa County property record for 4405 Windrush Dr, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 4,320 sqft · built 1999 |
| Lot Size | 0.401 acres (17,446 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,275,000 (Jul 2026) |
| Tax Bill | $10,803 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Jul 2026 Sale + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | C56-000-596-8095-9 |
| Primary APN | C56-000-596-8095-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,320 sqft Living Area |
| Gross Area | 5,916 sqft |
| 1st Floor Area | 3,164 sqft |
| Upper Floors Area | 932 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 17,446 sqft (0.401 acres) |
| Garage Type | Attached |
| Garage Area | 1,064 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 432 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4405 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 21 & BEG NW COR LOT 21 NELY ALG LOT LINE 90.45FT TO NE COR OF LOT 21 N30 DEG W 50FT TO W/E THC SWLY 91FT ALG W/E S30 DEG E 78FT TO POB* |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 26 |
| Legal Subdivision | SOUTHWIND PH V AMENDED |
| Legal Phase | 5 |
| Legal Lot Number | 21 |
| Legal Unit | 21 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 21001 |
Source: Okaloosa County records, as of July 30, 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 | 199 BARN DOOR HILLS RD, GRANBY, CT 06035-2917 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 17, 2026 | Warranty Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION |
| Jul 17, 2026 | Correction Deed NONE LISTED ON DOCUMENT |
| Jul 17, 2023 | ATTORNEY ONLY, ATTORNEY |
| Sep 20, 2018 | Warranty Deed, Transfer · VA Mortgage HOME POINT FINANCIAL CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 17, 2026 · Amount on Record |
| Deed Sale | Jul 17, 2026 · Amount on Record |
| Prior Sale | Sep 20, 2018 · Amount on Record |
| Deed Document Number | 20263828403 |
| Prior Transfer Date | Jun 17, 2026 |
| Prior Transfer Doc | 0003828402 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 17, 2026 |
| Property Address | 4405 WINDRUSH DR, NICEVILLE, FL 32578-4811 |
| Document Number | 0003828403 |
| Instrument Date | Jul 15, 2026 |
| Instrument | 20263828403 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2026 |
| Title Company | BRADLEY TITLE CORPORATION, BRADLEY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $901,425.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 199 BARN DOOR HILLS RD, GRANBY, CT 06035-2917 |
| Document Number | 0003828404, |
|---|---|
| Date | Jul 17, 2026 |
| Instrument | 20263828404 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 17, 2026 |
| Property Address | 4405 WINDRUSH DR, NICEVILLE, FL 32578-4811 |
| Document Number | 0003828402 |
| Instrument Date | Jun 17, 2026 |
| Instrument | 20263828402 |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4405 WINDRUSH DR, NICEVILLE, FL 32578-4811 |
| Jurisdiction | OKALOOSA FL |
|---|---|
| Recording Date | Jul 17, 2023 |
| Property Address | 4405 WINDRUSH DR, NICEVILLE, FL 32578-4811 |
| Document Number | 0036834504 |
| Book / Page | 3683 / 4504 |
| Instrument Date | Feb 12, 2023 |
| Instrument | 3635908 |
| Record Updated | Aug 2, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 1012 NAPA WAY, NICEVILLE, FL 32578-3934 |
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 20, 2018 |
| Property Address | 4405 WINDRUSH DR, NICEVILLE, FL 32578-4811 |
| Document Number | 0033680270 |
| Book / Page | 3368 / 0270 |
| Map Reference | MB11 PG100 |
| Instrument Date | Sep 13, 2018 |
| Instrument | 3233062 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | MTI TITLE INS AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 25118 SUMMER CHASE DR, 25118, SPRING, TX 77389-4429 |
| Name | Verified Name |
|---|---|
| Address | 4405 WINDRUSH DR, NICEVILLE, FL 32578-4811 |
| Document Number | 0003233064 |
|---|---|
| Date | Sep 20, 2018 |
| Instrument | 3233064 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2048 |
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 | $10,803.00 (+2.92%) | $909,261 (-0.79%) Land $132,197 Building $777,064 | $909,261 (-0.79%) Land $132,197 Building $777,064 |
| 2023 | $10,496.00 (+7.08%) | $916,491 (+6.13%) Land $122,211 Building $794,280 | $916,491 (+6.13%) Land $122,211 Building $794,280 |
| 2022 | $9,802.00 | $863,585 Land $116,391 Building $747,194 | $863,585 Land $116,391 Building $747,194 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 323 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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