528 Golf Course Dr, Niceville, FL 32578 Property Records

Okaloosa County property record for 528 Golf Course Dr, Niceville, FL 32578

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,355 sqft · built 1979
Lot Size	0.528 acres (23,017 sqft)
Owner	Individual Name on File
Last Sale	$282,500 (Jul 2011)
Tax Bill	$3,304 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-591-5752-9`

Property Details

APN / Parcel Number

Primary APN	`C56-000-591-5752-9`
Alternative APNs	`03-1S-22-5000-000A-0690` `22S1035000000A0690`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,355 sqft Living Area
Gross Area	3,300 sqft
1st Floor Area	2,355 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	23,017 sqft (0.528 acres)
Lot Width	123 ft Width
Garage Type	Attached
Garage Area	546 sqft
Driveway	Driveway
Porch	Finished/Open Porch
Porch Area	399 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	528 GOLF COURSE DR
City	NICEVILLE
State	FL
Zip	32578-1704
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROCKY BAYOU CC EST #1 LOT 69 BLK A
Legal Range	22W
Legal Township	01S
Legal Section	03
Legal Subdivision	ROCKY BAYOU CC EST
Legal Block	A
Legal Lot Number	69
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	4
Census Block	4000
Census Tract	20900

Owner

528 Golf Course Dr is owned and occupied by an individual who acquired it in October 2021.

Source: Okaloosa County records, as of April 14, 2026

Owner of Record	Individual Name on File
Mailing Address	528 GOLF COURSE DR, NICEVILLE, FL 32578-1704
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jan 10, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Oct 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2011 · Amount on File
Deed Sale	Jul 12, 2011 · Amount on File
Prior Sale	Jun 6, 2002 · Amount on File
Deed Document Number	20112715876
Deed Book / Page	2992 / 3491
Last Transfer Date	Oct 16, 2021
Transfer Doc	0035980056
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Recording Date	Apr 6, 2026
Property Address	528 GOLF COURSE DR, NICEVILLE, FL 32578-1704
Document Number	0003808566
Instrument Date	Mar 5, 2026
Instrument	20263808566
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	PENNYMAC LOAN SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 GOLF COURSE DR, NICEVILLE, FL 32578-1704

Mortgage

Document Number	0003808566,
Date	Apr 6, 2026
Instrument	20263808566

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Jan 10, 2022
Property Address	528 GOLF COURSE DR, NICEVILLE, FL 32578-1704
Document Number	0035980056
Book / Page	3598 / 56
Map Reference	MB 5 PG 45
Instrument Date	Oct 16, 2021
Instrument	3518717
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 GOLF COURSE DR, NICEVILLE, FL 32578-1704

Mortgage

Document Number	0000359859
Date	Jan 10, 2022
Instrument	3598/59

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Nov 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	528 GOLF COURSE DR, NICEVILLE, FL 32578-1704
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST INTEGRITY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 GOLF COURSE DR, NICEVILLE, FL 32578-1704

Mortgage

Document Number	0034961696
Date	Oct 5, 2020
Book Page	3496/1696
Instrument	3395892

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 528 Golf Course Dr was $3,304 with a homeowner's exemption.

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,304.00 Homeowner's exemption	$295,841	$475,376 Land $160,660 Building $314,716
2023	$3,122.00 (+2.63%) Homeowner's exemption	$279,129 (+3%)	$458,683 (+5.7%) Land $141,773 Building $316,910
2022	$3,042.00 Homeowner's exemption	$270,999	$433,942 Land $135,022 Building $298,920

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 528 Golf Course Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 81 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	81 in force

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

Wildfire risk around 528 Golf Course Dr is moderate, ranking above 45% 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 45% of the US · lower than 84% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 80 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

Cell Coverage

5G (outdoors only) and 4G LTE

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