Okaloosa County property record for 807 Saint Joseph Cv, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,651 sqft · built 1981 |
| Lot Size | 0.354 acres (15,435 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $250,000 (Jul 2015) |
| Tax Bill | $2,188 (2025) |
| Deeds & Mortgages | Apr 2022 Line of Credit Feb 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-596-3987-2 |
| Primary APN | C56-000-596-3987-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,651 sqft Living Area |
| Gross Area | 2,364 sqft |
| 1st Floor Area | 1,651 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 15,435 sqft (0.354 acres) |
| Lot Width | 78 ft Width |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Porch | Florida Room |
| Porch Area | 229 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 807 SAINT JOSEPH CV |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-4037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CARIBBEAN EAST UNIT 2 LOT 14 BLK H |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 23 |
| Legal Subdivision | CARIBBEAN EAST |
| Legal Block | H |
| Legal Lot Number | 14 |
| Legal Unit | 2 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 21001 |
Source: Okaloosa County records, as of August 27, 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 Record |
|---|---|
| Mailing Address | 807 SAINT JOSEPH CV, NICEVILLE, FL 32578-4037 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 20, 2022 | Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK |
| Feb 3, 2017 | Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 9, 2015 · Amount on Record |
| Deed Sale | Jul 9, 2015 · Amount on Record |
| Deed Document Number | 20153008760 |
| Deed Book / Page | 3206 / 4251 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 807 SAINT JOSEPH CV, NICEVILLE, FL 32578-4037 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|---|
| Address | 807 SAINT JOSEPH CV, NICEVILLE, FL 32578-4037 |
| Document Number | 0036171142 |
|---|---|
| Date | Apr 20, 2022 |
| Book Page | 3617/1142 |
| Instrument | 3543653 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | MIRAMAR BEACH, FL 32550 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Mar 26, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 807 SAINT JOSEPH CV, NICEVILLE, FL 32578-4037 |
| Document Number | 0032864404 |
| Book / Page | 003286 / 004404 |
| Instrument Date | Feb 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 807 SAINT JOSEPH CV NICEVILLE FL 325784037, NICEVILLE, FL 32578-4037 |
| Document Number | 0032864404 |
|---|---|
| Date | Feb 9, 2017 |
| Book Page | 003286/004404 |
| Instrument | 3116944 |
| Name | BANCORPSOUTH |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803-4360 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $2,188.00 (+5.8%) Homeowner's exemption | $217,280 (+5.99%) | $288,744 (+1.19%) Land $95,476 Building $193,268 |
| 2023 | $2,068.00 (+2.83%) Homeowner's exemption | $205,006 (+3%) | $285,355 (+6%) Land $88,263 Building $197,092 |
| 2022 | $2,011.00 Homeowner's exemption | $199,035 | $269,203 Land $84,060 Building $185,143 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 125 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 133 units insured incl. 8 condo units |
| Nearby Flood Claims | 25 (1985–2020) |
| Claims Outside the SFHA | 23 of 25 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% 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 263 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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