Okaloosa County property record for 50 Derby Downs Cir, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,858 sqft · built 2014 |
| Lot Size | 0.201 acres (8,775 sqft) |
| Owner | Individual Name on File |
| Last Sale | $699,000 (Sep 2021) |
| Tax Bill | $7,400 (2025) |
| Deeds & Mortgages | Feb 2023 Line of Credit Sep 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-001-054-9851-3 |
| Primary APN | C56-001-054-9851-3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,858 sqft Heated Area |
| Gross Area | 3,724 sqft |
| 1st Floor Area | 2,358 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 8,775 sqft (0.201 acres) |
| Lot Width | 65 ft Width |
| Garage Type | Finished |
| Garage Area | 537 sqft |
| Porch | Open Porch |
| Porch Area | 329 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 50 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 44 |
| Legal Range | 22 |
| Legal Township | 01S |
| Legal Section | 10 |
| Legal Subdivision | STABLES AT ROCKY BAYOU |
| Legal Lot Number | 44 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 20900 |
50 Derby Downs Cir is owned and occupied by an individual who bought it in September 2021.
Source: Okaloosa County records, as of December 8, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 50 DERBY DOWNS CIR, NICEVILLE, FL 32578-2769 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 9, 2023 | Deed of Trust, Mortgage · Line of Credit CCB COMMUNITY BANK |
| Sep 8, 2021 | Warranty Deed, Transfer · Conventional Mortgage ONE FLORIDA BANK |
| Nov 10, 2017 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 8, 2021 · Amount on File |
| Deed Sale | Sep 8, 2021 · Amount on File |
| Prior Sale | Jun 9, 2014 · Amount on File |
| Deed Document Number | 3486839 |
| Deed Book / Page | 3572 / 2153 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 50 DERBY DOWNS CIR, NICEVILLE, FL 32578-2769 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Name | Verified Name |
|---|---|
| Address | 50 DERBY DOWNS CIR, NICEVILLE, FL 32578-2769 |
| Document Number | 0036612864 |
|---|---|
| Date | Feb 9, 2023 |
| Book Page | 3661/2864 |
| Instrument | 3605400 |
| Name | CCB COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | NICEVILLE, FL 32578 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Feb 14, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 8, 2021 |
| Property Address | 50 DERBY DOWNS CIR, NICEVILLE, FL 32578-2769 |
| Document Number | 0035722153 |
| Book / Page | 3572 / 2153 |
| Map Reference | MB 26 PG 54&55 |
| Instrument Date | Aug 30, 2021 |
| Instrument | 3486839 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2021 |
| Title Company | PANHANDLE TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,893.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 178 GRANDVIEW AVE, 178, VALPARAISO, FL 32580-1542 |
| Name | Verified Name |
|---|---|
| Address | 50 DERBY DOWNS CIR, NICEVILLE, FL 32578-2769 |
| Document Number | 35722154 |
|---|---|
| Date | Sep 8, 2021 |
| Instrument | 3572/2154 |
| Name | ONE FLORIDA BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 50 DERBY DOWNS CIR, NICEVILLE, FL 32578-2769 |
| Document Number | 0033301791 |
| Instrument Date | Nov 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2018 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 50 DERBY DOWNS CIR NICEVILLE FL 325782769, NICEVILLE, FL 32578-2769 |
| Document Number | 0033301791 |
|---|---|
| Date | Dec 19, 2017 |
| Book Page | 003330/001791 |
| Instrument | 3178569 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | FORT MILL, SC 29715 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Dec 18, 2057 |
| Rate | 4.12% |
|---|
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 | $7,400.00 (-0.07%) Homeowner's exemption | $579,729 (-3.3%) Land $93,028 Building $486,701 | $579,729 (-3.3%) Land $93,028 Building $486,701 |
| 2024 | $7,405.00 (-7.62%) Homeowner's exemption | $599,533 (-0.29%) Land $91,204 Building $508,329 | $599,533 (-0.29%) Land $91,204 Building $508,329 |
| 2023 | $8,016.00 (+4.74%) | $601,306 (+3.2%) Land $90,300 Building $511,006 | $601,306 (+3.2%) Land $90,300 Building $511,006 |
| 2022 | $7,653.00 | $582,672 Land $86,000 Building $496,672 | $582,672 Land $86,000 Building $496,672 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 50 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 50 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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