637 Carr Dr, Niceville, FL 32578 Property Records

Okaloosa County property record for 637 Carr Dr, Niceville, FL 32578

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,183 sqft · built 1978
Lot Size	0.61 acres (26,575 sqft)
Owner	Individual Name on Record
Last Sale	$370,000 (Apr 2021)
Tax Bill	$5,050 (2025)
Deeds & Mortgages	May 2021 Mortgage Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-591-5765-1`

Property Details

APN / Parcel Number

Primary APN	`C56-000-591-5765-1`
Alternative APN	`03-1S-22-5000-000B-0440`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,183 sqft Heated Area
Gross Area	3,330 sqft
1st Floor Area	2,183 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	26,575 sqft (0.61 acres)
Lot Width	125 ft Width
Garage Type	Finished
Garage Area	858 sqft
Porch	Open Porch
Porch Area	33 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	637 CARR DR
City	NICEVILLE
State	FL
Zip	32578-1743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROCKY BAYOU CC EST #2 LOT 44 BLK B
Legal Range	22
Legal Township	01S
Legal Section	03
Legal Subdivision	ROCKY BAYOU CC EST #1
Legal Block	B
Legal Lot Number	44
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	4
Census Block	4000
Census Tract	20900

Owner

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
Mailing Address	637 CARR DR, NICEVILLE, FL 32578-1743
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BANK OF MISSISSIPPI
Apr 22, 2021	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY BANK OF MISSISSIPPI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2021 · Amount on Record
Deed Sale	Apr 22, 2021 · Amount on Record
Deed Document Number	3448964
Deed Book / Page	3541 / 2648
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	637 CARR DR, NICEVILLE, FL 32578-1743
Transaction Type	Mortgage
Record Updated	Jun 14, 2021
Title Company	DEFENDER T&E AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	719 BAYSHORE DR B, B, NICEVILLE, FL 32578-2542

Mortgage

Document Number	0035480512
Date	May 20, 2021
Book Page	3548/512
Instrument	3456884

Lender

Name	COMMUNITY BANK OF MISSISSIPPI
Type	Bank
Address	FLOWOOD, MS 39232

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 22, 2021
Property Address	637 CARR DR, NICEVILLE, FL 32578-1743
Document Number	0035412648
Book / Page	3541 / 2648
Map Reference	MB 5 PG 59
Instrument Date	Apr 9, 2021
Instrument	3448964
Transaction Type	Transfer
Record Updated	May 19, 2021
Title Company	DEFENDER T&E AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2715 COLONIES DR, 2715, JACKSONVILLE BEACH, FL 32250-3001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 CARR DR, NICEVILLE, FL 32578-1743

Mortgage

Document Number	0035412650
Date	Apr 22, 2021
Book Page	3541/2650
Instrument	3448965

Lender

Name	COMMUNITY BANK OF MISSISSIPPI
Type	Bank
Address	FLOWOOD, MS 39232

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 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	$5,050.00 (+2.12%) Homeowner's exemption	$431,007 (+2.87%)	$492,919 (+17.64%) Land $231,693 Building $261,226
2023	$4,945.00 (-3.1%) Homeowner's exemption	$419,001 (+7.83%) Land $154,816 Building $264,185	$419,001 (+7.83%) Land $154,816 Building $264,185
2022	$5,103.00	$388,575 Land $140,423 Building $248,152	$388,575 Land $140,423 Building $248,152

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

Flood

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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 76 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

Cell Coverage

5G (outdoors only) and 4G LTE

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