Okaloosa County property record for 643 Birkdale Cir E, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,904 sqft · built 1985 |
| Lot Size | 0.411 acres (17,892 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $410,900 (Jan 2020) |
| Tax Bill | $4,005 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Jan 2020 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | C56-000-596-1660-7 |
| Primary APN | C56-000-596-1660-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,904 sqft Living Area |
| Gross Area | 2,673 sqft |
| 1st Floor Area | 1,904 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 17,892 sqft (0.411 acres) |
| Garage Type | Attached |
| Garage Area | 539 sqft |
| Porch | Florida Room |
| Porch Area | 230 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 643 BIRKDALE CIR E |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-4346 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ST ANDREWS VILLAGE WEST III LOT 22 BLK A |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 22 |
| Legal Subdivision | ST ANDREWS VILLAGE |
| Legal Block | A |
| Legal Lot Number | 22 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 21002 |
643 Birkdale Cir E is owned and occupied by two individuals who bought it in January 2020.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6528 LONE OAK DR, BETHESDA, MD 20817-1670 |
| 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 |
|---|---|
| Jun 7, 2021 | Deed of Trust, Mortgage · VA Mortgage PENTAGON FCU |
| Jan 22, 2020 | Warranty Deed, Transfer · VA Mortgage PENTAGON FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 22, 2020 · Amount on File |
| Deed Sale | Jan 22, 2020 · Amount on File |
| Prior Sale | May 31, 2011 · Amount on File |
| Deed Document Number | 20203331767 |
| Deed Book / Page | 3439 / 3677 |
| Prior Transfer Date | May 16, 2011 |
| Prior Transfer Doc | 0029854954 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 643 BIRKDALE CIR E, NICEVILLE, FL 32578-4346 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 643 BIRKDALE CIR E, NICEVILLE, FL 32578-4346 |
| Document Number | 0035514471 |
|---|---|
| Date | Jun 7, 2021 |
| Book Page | 3551/4471 |
| Instrument | 3461458 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jan 22, 2020 |
| Property Address | 643 BIRKDALE CIR E, NICEVILLE, FL 32578-4346 |
| Document Number | 0034393677 |
| Book / Page | 3439 / 3677 |
| Map Reference | MB 8 PG 29 |
| Instrument Date | Jan 17, 2020 |
| Instrument | 3331767 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | NAUTILUS TITLE & ESCROW |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,876.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 643 BIRKDALE CIR E, 643, NICEVILLE, FL 32578-4346 |
| Name | Verified Name |
|---|---|
| Address | 9801 BRISTOL SQUARE LN APT 204, 204, BETHESDA, MD 20814-5435 |
| Document Number | 0034393679 |
|---|---|
| Date | Jan 22, 2020 |
| Instrument | 3439/3679 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2050 |
The 2025 property tax bill for 643 Birkdale Cir E was $4,005 with a homeowner's exemption.
Source: Okaloosa County assessment roll, as of December 31, 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 | $4,005.00 Homeowner's exemption | $371,498 Land $107,227 Building $264,271 | $371,498 Land $107,227 Building $264,271 |
| 2023 | $3,873.00 (+2.49%) Homeowner's exemption | $356,713 (+3%) | $367,394 (+6.08%) Land $99,126 Building $268,268 |
| 2022 | $3,779.00 Homeowner's exemption | $346,323 Land $94,406 Building $251,917 | $346,323 Land $94,406 Building $251,917 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 643 Birkdale Cir E in Zone X, an area of moderate 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 643 Birkdale Cir E is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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 | 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 283 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 |
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