Okaloosa County property record for 628 Caribbean Way, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,167 sqft · built 1980 |
| Lot Size | 0.288 acres (12,550 sqft) |
| Owner | Individual Name on File |
| Last Sale | $315,000 (Jun 2020) |
| Tax Bill | $3,683 (2025) |
| Deeds & Mortgages | Oct 2017 Mortgage Jun 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-596-3740-5 |
| Primary APN | C56-000-596-3740-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,167 sqft Heated Area |
| Gross Area | 2,963 sqft |
| 1st Floor Area | 2,167 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 12,550 sqft (0.288 acres) |
| Lot Width | 92 ft Width |
| Garage Type | Finished |
| Garage Area | 460 sqft |
| Porch | Open Porch |
| Porch Area | 72 sqft |
| Patio Area | 264 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 628 CARIBBEAN WAY |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-3803 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BLUEWATER BAY VILLAGE 1-B LOT 50 BLK A |
| Legal Range | 22 |
| Legal Township | 01S |
| Legal Section | 23 |
| Legal Subdivision | BLUEWATER BAY VIL 1-B |
| Legal Block | A |
| Legal Lot Number | 50 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 21002 |
628 Caribbean Way is owned and occupied by an individual who bought it in June 2020.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 628 CARIBBEAN WAY, NICEVILLE, FL 32578-3803 |
| 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.
| Date | Document |
|---|---|
| Oct 24, 2017 | Deed of Trust, Mortgage · Conventional Mortgage EGLIN FCU |
| Jun 29, 2020 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 29, 2020 · Amount on File |
| Deed Sale | Jun 29, 2020 · Amount on File |
| Deed Document Number | 3369135 |
| Deed Book / Page | 3471 / 4739 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 628 CARIBBEAN WAY, NICEVILLE, FL 32578-3803 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0033230316 |
|---|---|
| Date | Oct 24, 2017 |
| Book Page | 3323/0316 |
| Instrument | 3168060 |
| Name | EGLIN FCU |
|---|---|
| Type | Credit Union |
| Address | FORT WALTON BEACH, FL 32547 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 29, 2020 |
| Property Address | 628 CARIBBEAN WAY, NICEVILLE, FL 32578-3803 |
| Document Number | 0034714739 |
| Book / Page | 003471 / 004739 |
| Instrument Date | Jun 26, 2020 |
| Instrument | 3369135 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2020 |
| Title Company | BRADLEY TITLE CORPORATION, BRADLEY TITLE CORP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,205.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1840 MACON HWY WATKINSVILLE GA 306773537, WATKINSVILLE, GA 30677-3537 |
| Document Number | 34714740 |
|---|---|
| Date | Jun 29, 2020 |
| Book Page | 003471/004740 |
| Instrument | 3369136 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 28, 2050 |
The 2025 property tax bill for 628 Caribbean Way was $3,683 with a homeowner's exemption.
Source: Okaloosa County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,683.00 Homeowner's exemption | $344,143 Land $95,476 Building $248,667 | $344,143 Land $95,476 Building $248,667 |
| 2023 | $3,730.00 (-1.71%) Homeowner's exemption | $344,678 (+5.51%) Land $88,263 Building $256,415 | $344,678 (+5.51%) Land $88,263 Building $256,415 |
| 2022 | $3,795.00 | $326,683 Land $84,060 Building $242,623 | $326,683 Land $84,060 Building $242,623 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 628 Caribbean Way in Zone X, an area of minimal flood risk, though there have been 38 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 151 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 151 in force |
| Nearby Flood Claims | 38 (1995–2020) |
| Claims Outside the SFHA | 17 of 38 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
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 628 Caribbean Way is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 | OKALOOSA COUNTY BLUEWATER BAY-RAINTREE serves 17,592 people · EPA ID FL1460775 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2023 |
| Lead | 2 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 282 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 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures