Okaloosa County property record for 48 Derby Downs Cir, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,436 sqft · built 2014 |
| Lot Size | 0.201 acres (8,775 sqft) |
| Owner | Individual Name on File |
| Last Sale | $398,000 (Dec 2014) |
| Tax Bill | $5,088 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-001-054-9850-5 |
| Primary APN | C56-001-054-9850-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,436 sqft Heated Area |
| Gross Area | 3,538 sqft |
| 1st Floor Area | 2,436 sqft |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2014 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 8,775 sqft (0.201 acres) |
| Lot Width | 65 ft Width |
| Garage Type | Finished |
| Garage Area | 652 sqft |
| Porch | Open Porch |
| Porch Area | 450 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 48 DERBY DOWNS CIR |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-2769 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STABLES AT ROCKY BAYOU LOT 43 |
| Legal Range | 22 |
| Legal Township | 01S |
| Legal Section | 10 |
| Legal Subdivision | STABLES AT ROCKY BAYOU |
| Legal Lot Number | 43 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 20900 |
48 Derby Downs Cir is owned and occupied by an individual who bought it in December 2014.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 48 DERBY DOWNS CIR, NICEVILLE, FL 32578-2769 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 17, 2014 · Amount on File |
| Deed Sale | Dec 17, 2014 · Amount on File |
| Prior Sale | Jul 10, 2014 · Amount on File |
| Deed Document Number | 2968366 |
| Deed Book / Page | 3176 / 3143 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 48 Derby Downs Cir was $5,088 with exemptions applied.
Source: Okaloosa County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Niceville City |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,088.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $416,302 | $550,129 Land $93,028 Building $457,101 |
| 2023 | $4,640.00 (+4.84%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $392,785 (+3%) | $573,367 (+3.21%) Land $90,300 Building $483,067 |
| 2022 | $4,426.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $381,345 | $555,515 Land $86,000 Building $469,515 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 48 Derby Downs Cir in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1995.
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 File median of 86 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 86 in force |
| Nearby Flood Claims | 2 (1995–2012) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jun 2012 · other causes |
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 risk around 48 Derby Downs Cir is moderate, ranking above 47% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · lower than 82% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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 | CITY OF NICEVILLE serves 22,243 people · EPA ID FL1460147 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | 5 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 47 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 35 |
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