Okaloosa County property record for 49 Derby Downs Cir, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,483 sqft · built 2015 |
| Owner | Individual Name on File |
| Last Sale | $414,900 (Dec 2015) |
| Tax Bill | $5,434 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-1S-22-2000-0000-0240 |
| Primary APN | 10-1S-22-2000-0000-0240 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,483 sqft Heated Area |
| Gross Area | 3,474 sqft |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2015 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Width | 65 ft Width |
| Garage Type | Finished |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 49 DERBY DOWNS CIR |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-2749 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STABLES AT ROCKY BAYOU LOT 24 |
| Legal Subdivision | STABLES AT ROCKY BAYOU |
| Legal Lot Number | 24 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 20900 |
49 Derby Downs Cir is owned and occupied by an individual who bought it in December 2015.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 49 DERBY DOWNS CIR, NICEVILLE, FL 32578-2749 |
| 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 22, 2015 · Amount on File |
| Deed Sale | Dec 22, 2015 · Amount on File |
| Prior Sale | Sep 24, 2014 · Amount on File |
| Deed Document Number | 3039150 |
| Deed Book / Page | 3228 / 4681 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 49 DERBY DOWNS CIR, NICEVILLE, FL 32578-2749 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2022 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 49 DERBY DOWNS CIR, NICEVILLE, FL 32578-2749 |
| Document Number | 0035212022 |
|---|---|
| Date | Jan 27, 2021 |
| Book Page | 3521/2022 |
| Instrument | 3425349 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
The 2025 property tax bill for 49 Derby Downs Cir was $5,434.
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 | $5,434.00 | $449,140 | $562,970 Land $93,028 Building $469,942 |
| 2023 | $4,960.00 (+4.77%) Homeowner's exemption | $411,826 (-) | $585,122 (+2.85%) Land $90,300 Building $494,822 |
| 2022 | $4,734.00 Homeowner's exemption | $411,826 | $568,925 Land $86,000 Building $482,925 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 49 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 49 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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