Okaloosa County property record for 53 Derby Downs Cir, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,795 sqft · built 2015 |
| Lot Size | 0.201 acres (8,775 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $434,900 (Mar 2015) |
| Tax Bill | $5,612 (2025) |
| Deeds & Mortgages | Apr 2024 Second Mortgage Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-001-054-9833-1 |
| Primary APN | C56-001-054-9833-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,795 sqft Heated Area |
| Gross Area | 3,943 sqft |
| 1st Floor Area | 2,147 sqft |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| 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 | 576 sqft |
| Porch | Open Porch |
| Porch Area | 572 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 53 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 26 |
| Legal Range | 22 |
| Legal Township | 01S |
| Legal Section | 10 |
| Legal Subdivision | STABLES AT ROCKY BAYOU |
| Legal Lot Number | 26 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 20900 |
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 Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 53 DERBY DOWNS CIR, NICEVILLE, FL 32578-2749 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 18, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| Apr 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 26, 2015 · Amount on Record |
| Deed Sale | Mar 26, 2015 · Amount on Record |
| Prior Sale | Aug 15, 2014 · Amount on Record |
| Deed Document Number | 2986122 |
| Deed Book / Page | 3190 / 0146 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 53 DERBY DOWNS CIR, NICEVILLE, FL 32578-2749 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2024 |
| Name | Verified Name |
|---|---|
| Address | 53 DERBY DOWNS CIR, NICEVILLE, FL 32578-2749 |
| Document Number | 0003682591 |
|---|---|
| Date | Apr 18, 2024 |
| Instrument | 3682591 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | 1 W ELM ST STE 450, CONSHOHOCKEN, PA 19428 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 53 DERBY DOWNS CIR, NICEVILLE, FL 32578-2749 |
| Document Number | 0034560566 |
| Instrument Date | Apr 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 53 DERBY DOWNS CIR NICEVILLE FL 325782749, NICEVILLE, FL 32578-2749 |
| Document Number | 0034560566 |
|---|---|
| Date | Apr 15, 2020 |
| Book Page | 003456/000566 |
| Instrument | 3351699 |
| Name | SPRING EQ LLC |
|---|---|
| Address | PHILADELPHIA, PA 19104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 14, 2040 |
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 | $5,612.00 (+9.63%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $454,452 (+5.99%) | $592,144 (-3.62%) Land $93,028 Building $499,116 |
| 2023 | $5,119.00 (+4.79%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $428,781 (+3%) | $614,374 (+3.18%) Land $90,300 Building $524,074 |
| 2022 | $4,885.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $416,292 | $595,449 Land $86,000 Building $509,449 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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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