Okaloosa County property record for 862 Ruckel Dr, Niceville, FL 32578
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 4,329 sqft · built 2004 |
| Lot Size | 0.454 acres (19,794 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $995,000 (Jul 2023) |
| Tax Bill | $12,038 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Jul 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-591-8603-1 |
| Primary APN | C56-000-591-8603-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 4,329 sqft Living Area |
| Gross Area | 6,629 sqft |
| 1st Floor Area | 4,329 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 19,794 sqft (0.454 acres) |
| Garage Type | Attached |
| Garage Area | 1,384 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 1,089 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 862 RUCKEL DR |
|---|---|
| City | NICEVILLE |
| State | FL |
| Zip | 32578-1792 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROCKY BAYOU CC EST #10 LOT 5 |
| Legal Range | 22W |
| Legal Township | 01S |
| Legal Section | 04 |
| Legal Subdivision | ROCKY BAYOU CC EST |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | NICEVILLE-VALPARAISO |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 20900 |
Source: Okaloosa County records, as of December 31, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1674 PARKSIDE CIR, NICEVILLE, FL 32578-8706 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Oct 6, 2025 | Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK OF MISSISSIPPI |
| Jul 28, 2023 | Warranty Deed, Transfer · Conventional Mortgage CENTENNIAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 28, 2023 · Amount on Record |
| Deed Sale | Jul 28, 2023 · Amount on Record |
| Prior Sale | Aug 23, 2001 · Amount on Record |
| Deed Document Number | 20233638169 |
| Deed Book / Page | 3685 / 2199 |
| Prior Transfer Date | Jul 27, 2023 |
| Prior Transfer Doc | 0003638168 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 862 RUCKEL DR, NICEVILLE, FL 32578-1792 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1674 PARKSIDE CIR, NICEVILLE, FL 32578-8706 |
| Document Number | 0003776190 |
|---|---|
| Date | Oct 6, 2025 |
| Instrument | 3776190 |
| Name | COMMUNITY BANK OF MISSISSIPPI |
|---|---|
| Type | Bank |
| Address | FLOWOOD, MS 39232 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 28, 2023 |
| Property Address | 862 RUCKEL DR, NICEVILLE, FL 32578-1792 |
| Document Number | 0036852199 |
| Book / Page | 3685 / 2199 |
| Map Reference | MB 16 PG 50 |
| Instrument Date | Jul 26, 2023 |
| Instrument | 3638169 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2023 |
| Title Company | NOT AVAILABLE, BRADLEY TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,965.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1551 MERCHANTS WAY APT 110, 110, NICEVILLE, FL 32578-8821 |
| Name | Verified Name |
|---|---|
| Address | 1674 PARKSIDE CIR, NICEVILLE, FL 32578-8706 |
| Document Number | 0036852201 |
|---|---|
| Date | Jul 28, 2023 |
| Instrument | 3685/2201 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
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 | $12,038.00 (+77.08%) | $972,057 (+70.16%) Land $160,660 Building $811,397 | $972,057 (+1.93%) Land $160,660 Building $811,397 |
| 2023 | $6,798.00 (+1.45%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption | $571,253 (+3%) | $953,617 (+6.29%) Land $141,773 Building $811,844 |
| 2022 | $6,701.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $554,615 | $897,143 Land $135,022 Building $762,121 |
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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 | 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 |
| 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 189 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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