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731 Saint Thomas Cv, Niceville, FL 32578 Property Records

Okaloosa County property record for 731 Saint Thomas Cv, Niceville, FL 32578 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,461 sqft · built 1979
Lot Size0.24 acres (10,467 sqft)
Owner2 Individual Names on File
Last Sale$249,900 (Dec 2015)
Tax Bill$2,058 (2025)
Deeds & MortgagesMar 2024 Mortgage
Mar 2021 Mortgage
Flood ZoneZone X (minimal risk)
APNC56-000-596-3708-2

Property Details

APN / Parcel Number

Primary APNC56-000-596-3708-2
Alternative APN
  • 23-1S-22-4750-000A-0310

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,461 sqft Heated Area
Gross Area2,307 sqft
1st Floor Area1,461 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1979
Exterior MaterialWood Siding
Roof TypeGable/Hip
Roof MaterialWood
Lot Area10,467 sqft (0.24 acres)
Lot Width78 ft Width
Garage TypeFinished
Garage Area528 sqft
PorchOpen Porch
Porch Area84 sqft
Patio Area276 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address731 SAINT THOMAS CV
CityNICEVILLE
StateFL
Zip32578-3817
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBLUEWATER BAY VILLAGE 1-A LOT 31 BLK A
Legal Range22
Legal Township01S
Legal Section23
Legal SubdivisionBLUEWATER BAY VIL 1-A
Legal BlockA
Legal Lot Number31
JurisdictionOKALOOSA FL
Township / Civil DivisionNICEVILLE-VALPARAISO
Census Block Group1
Census Block1000
Census Tract21002

Owner

Source: Okaloosa County records · APN C56-000-596-3708-2

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address731 SAINT THOMAS CV, NICEVILLE, FL 32578-3817
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 07, 2024Deed of Trust, Mortgage · Conventional Mortgage
EGLIN FCU
Mar 15, 2021Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 08, 2015 · Amount on Record
Deed SaleDec 08, 2015 · Amount on Record
Prior SaleJun 23, 2015 · Amount on Record
Deed Document Number3036812
Deed Book / Page3227 / 0667
Record UpdatedJun 08, 2026

March 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address731 SAINT THOMAS CV, NICEVILLE, FL 32578-3817
Transaction TypeMortgage
Record UpdatedApr 01, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address731 SAINT THOMAS CV, NICEVILLE, FL 32578-3817

Mortgage

Document Number0003675202
DateMar 07, 2024
Instrument3675202
Lender
NameEGLIN FCU
TypeCredit Union
AddressFORT WALTON BEACH, FL 32547
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueApr 01, 2039

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address731 SAINT THOMAS CV, NICEVILLE, FL 32578-3817
Transaction TypeMortgage
Record UpdatedApr 02, 2021
Title CompanyINSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address731 SAINT THOMAS CV, NICEVILLE, FL 32578-3817

Mortgage

Document Number0035321065
DateMar 15, 2021
Book Page3532/1065
Instrument3437881
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term300 Months
DueMar 01, 2046

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,058.00 (+5.86%) Homeowner's exemption$206,235 (+5.99%)$254,488 (+0.73%) Land $95,476 Building $159,012
2023$1,944.00 (+10.9%) Homeowner's exemption$194,585 (+9.59%)$252,653 (+11.01%) Land $88,263 Building $164,390
2022$1,753.00 Homeowner's exemption$177,558$227,602 Land $84,060 Building $143,542

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120910210021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 151 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies151 in force
Nearby Flood Claims38 (1995–2020)
Claims Outside the SFHA17 of 38
Most Recent ClaimSep 2020, tidal / storm surge, Hurricane Sally
Claims By Storm
  • Hurricane Sally, Sep 2020 · 7 claims
  • Hurricane Frances, Sep 2004 · 13 claims
  • Hurricane Opal, Oct 1995 · 10 claims

Wildfire

Wildfire RiskLow
above 20% of the US · above 7% of Florida
Wildfire LikelihoodAbout 1 in 8,333 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 417 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
LiveOak FiberFiber5,000 / 5,000
Cox CommunicationsCable2,000 / 100
AT&TFixed Wireless100 / 20
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: Cox Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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