645 Carr Dr, Niceville, FL 32578 Property Records

Okaloosa County property record for 645 Carr Dr, Niceville, FL 32578

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,025 sqft · built 1979
Lot Size	0.366 acres (15,943 sqft)
Owner	2 Individual Names on File
Last Sale	$487,000 (Dec 2023)
Tax Bill	$5,475 (2024)
Deeds & Mortgages	Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-591-5809-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-591-5809-7`
Alternative APNs	`03-1S-22-5001-000B-0420` `22S1035001000B0420`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,025 sqft Living Area
Gross Area	4,295 sqft
1st Floor Area	1,965 sqft
Upper Floors Area	1,060 sqft
Flooring	Carpet
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	15,943 sqft (0.366 acres)
Lot Width	85 ft Width
Garage Type	Attached
Garage Area	623 sqft
Porch	Finished/Open Porch
Porch Area	384 sqft
Patio Area	455 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	645 CARR DR
City	NICEVILLE
State	FL
Zip	32578-1743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LE CHATEAU LOT 42 BLK B
Legal Range	22W
Legal Township	01S
Legal Section	03
Legal Subdivision	LE CHATEAU
Legal Block	B
Legal Lot Number	42
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	4
Census Block	4000
Census Tract	20900

Owner

645 Carr Dr is owned and occupied by two individuals who bought it in December 2023.

Source: Okaloosa County records, as of May 12, 2026

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	2 Individual Names on File
Mailing Address	645 CARR DR, NICEVILLE, FL 32578-1743
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2023 · Amount on File
Deed Sale	Dec 13, 2023 · Amount on File
Prior Sale	Dec 1, 2015 · Amount on File
Deed Document Number	20233661700
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 13, 2023
Property Address	645 CARR DR, NICEVILLE, FL 32578-1743
Document Number	0003661700
Map Reference	MB 5 PG 71
Instrument Date	Dec 11, 2023
Instrument	3661700
Transaction Type	Transfer
Record Updated	Jan 12, 2024
Title Company	SOUTH OAK TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,409.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	645 CARR DR, NICEVILLE, FL 32578-1743

Mortgage

Document Number	0003661701
Date	Dec 13, 2023
Instrument	3661701

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

Tax Assessment & Valuation

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		$510,061 Land $208,524 Building $301,537	$510,061 Land $208,524 Building $301,537
2024	$5,475.00 (-5.88%)
2023	$5,817.00 (+7.96%)	$473,897 (+7.53%) Land $139,334 Building $334,563	$473,897 (+7.53%) Land $139,334 Building $334,563
2022	$5,388.00	$440,700 Land $126,380 Building $314,320	$440,700 Land $126,380 Building $314,320

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

Flood

FEMA maps place 645 Carr Dr in Zone X, an area of minimal flood risk, within 100 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 100 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 645 Carr 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 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

Nearby Properties on Carr Dr

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