Okaloosa County property record for 4407 Windrush Dr, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,927 sqft · built 1995 |
| Lot Size | 0.366 acres (15,960 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $740,000 (Jul 2024) |
| Tax Bill | $7,394 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Jun 2020 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | C56-000-596-8096-7 |
| Primary APN | C56-000-596-8096-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,927 sqft Heated Area |
| Gross Area | 4,069 sqft |
| 1st Floor Area | 2,927 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 15,960 sqft (0.366 acres) |
| Garage Type | Finished |
| Garage Area | 604 sqft |
| Porch | Open Porch |
| Porch Area | 538 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 4407 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 22 & BEG NW COR LOT 22 NELY TO NE COR LOT 22 N30 DEG W 65.38FT TO S BDRY GOLF COURS E S23 DEG W 6 |
| Legal Range | 22 |
| Legal Township | 01S |
| Legal Section | 26 |
| Legal Subdivision | SOUTHWIND PH 5 AT BWB |
| Legal Phase | 5 |
| Legal Lot Number | 22 |
| Legal Unit | 22 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 21001 |
Source: Okaloosa County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 4407 WINDRUSH DR, NICEVILLE, FL 32578-4811 |
| Occupancy | Owner Occupied |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Mar 18, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jun 29, 2020 | Deed of Trust, Mortgage · VA Mortgage CERTAINTY HOME LOANS LLC |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Jul 9, 2024 · Amount on Record |
| Deed Sale | Jul 9, 2024 · Amount on Record |
| Prior Sale | Jun 21, 2016 · Amount on Record |
| Deed Document Number | 3697920 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4407 WINDRUSH DR, NICEVILLE, FL 32578-4811 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 4407 WINDRUSH DR, NICEVILLE, FL 32578-4811 |
| Document Number | 0035330919 |
|---|---|
| Date | Mar 18, 2021 |
| Book Page | 3533/919 |
| Instrument | 3439041 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4407 WINDRUSH DR, NICEVILLE, FL 32578-4811 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMER LENDERS ADVANTAGE |
| Name | Verified Name |
|---|
| Document Number | 0034714959 |
|---|---|
| Date | Jun 29, 2020 |
| Book Page | 3471/4959 |
| Instrument | 3369174 |
| Name | CERTAINTY HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
Source: Okaloosa County assessment roll, as of July 1, 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 | $7,394.00 (+8,497.67%) | $620,025 (+40.19%) Land $132,197 Building $487,828 | $620,025 (+0.45%) Land $132,197 Building $487,828 |
| 2023 | $86.00 (+4.88%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $442,264 (+3%) | $617,217 (+6.06%) Land $122,211 Building $495,006 |
| 2022 | $82.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $429,383 | $581,962 Land $116,391 Building $465,571 |
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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