Okaloosa County property record for 511 Oak Ave, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,874 sqft · built 1986 |
| Lot Size | 0.294 acres (12,799 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $310,000 (Jun 2019) |
| Tax Bill | $4,460 (2025) |
| Deeds & Mortgages | Feb 2020 Mortgage Jun 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-592-2301-6 |
| Primary APN | C56-000-592-2301-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,874 sqft Living Area |
| Gross Area | 2,628 sqft |
| 1st Floor Area | 1,874 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 12,799 sqft (0.294 acres) |
| Lot Width | 160 ft Width |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 16 sqft |
| Patio Area | 186 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 511 OAK AVE |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-3312 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VALPARAISO P/C #5 N10 FT LOT 20 & ALL LOT 21 & S20 FT LOT 22 BLK 94 |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 05 |
| Legal Subdivision | VALPARAISO P/C |
| Legal Block | 94 |
| Legal Lot Number | 190 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 21102 |
511 Oak Ave is owned by two individuals who bought it in June 2019.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1104 OAKDALE CT, VIRGINIA BEACH, VA 23455-9257 |
| 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.
| Date | Document |
|---|---|
| Feb 27, 2020 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Jun 14, 2019 | Warranty Deed, Transfer · VA Mortgage MORTGAGE ONE/SOUTH |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 14, 2019 · Amount on File |
| Deed Sale | Jun 14, 2019 · Amount on File |
| Prior Sale | Jul 14, 2016 · Amount on File |
| Deed Document Number | 20193284570 |
| Deed Book / Page | 3403 / 4916 |
| Prior Transfer Date | Jul 9, 2004 |
| Prior Transfer Doc | 0002139208 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 511 OAK AVE, NICEVILLE, FL 32578-3312 |
| Document Number | 0034504587 |
| Instrument Date | Feb 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 511 OAK AVE NICEVILLE FL 325783312, NICEVILLE, FL 32578-3312 |
| Document Number | 0034504587 |
|---|---|
| Date | Mar 19, 2020 |
| Book Page | 003450/004587 |
| Instrument | 3346051 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 18, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 14, 2019 |
| Property Address | 511 OAK AVE, NICEVILLE, FL 32578-3312 |
| Document Number | 0034034916 |
| Book / Page | 003403 / 004916 |
| Instrument Date | Jun 10, 2019 |
| Instrument | 3284570 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,170.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 511 OAK AVE NICEVILLE FL 325783312, NICEVILLE, FL 32578-3312 |
| Document Number | 34034918 |
|---|---|
| Date | Jun 14, 2019 |
| Book Page | 003403/004918 |
| Instrument | 3284571 |
| Name | MORTGAGE ONE/SOUTH |
|---|---|
| Type | Mortgage Company |
| Address | FORT WALTON BEACH, FL 32548 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 13, 2049 |
The 2025 property tax bill for 511 Oak Ave was $4,460.
Source: Okaloosa County assessment roll, as of December 31, 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 | $4,460.00 | $324,896 Land $75,864 Building $249,032 | $324,896 Land $75,864 Building $249,032 |
| 2023 | $3,981.00 (+9.67%) | $322,034 (+6.24%) Land $61,366 Building $260,668 | $322,034 (+6.24%) Land $61,366 Building $260,668 |
| 2022 | $3,630.00 | $303,129 Land $58,444 Building $244,685 | $303,129 Land $58,444 Building $244,685 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 511 Oak Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1994.
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 19 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 3 (1994–2005) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Apr 2005 · river or lake flooding |
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 511 Oak Ave is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 419 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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