909 E Choctawhatchee Dr, Niceville, FL 32578 Property Records

Okaloosa County property record for 909 E Choctawhatchee Dr, Niceville, FL 32578

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,178 sqft · built 1985
Lot Size	0.892 acres (38,832 sqft)
Owner	Company Name on File
Last Sale	$770,000 (May 2018)
Tax Bill	$11,200 (2025)
Deeds & Mortgages	Dec 2019 Line of Credit Nov 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-598-1738-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-598-1738-7`
Alternative APNs	`36-1S-22-4700-0000-002A` `22S13647000000002A`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,178 sqft Living Area
Gross Area	4,868 sqft
1st Floor Area	2,430 sqft
Upper Floors Area	748 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	38,832 sqft (0.892 acres)
Lot Width	100 ft Width
Garage Type	Attached
Garage Area	528 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	70 sqft
Patio Area	1,032 sqft
Gazebo	Gazebo
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	909 E CHOCTAWHATCHEE DR
City	NICEVILLE
State	FL
Zip	32578-4706
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE PIPPIN LOT 2A
Legal Range	22W
Legal Township	01S
Legal Section	36
Legal Subdivision	LAKE PIPPIN
Legal Lot Number	2A
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	1
Census Block	1019
Census Tract	21001

Owner

909 E Choctawhatchee Dr is owned by a company that acquired it in November 2020.

Source: Okaloosa County records, as of December 31, 2025

Owner of Record	Company Name on File
Mailing Address	1306 89TH ST, WEST DES MOINES, IA 50266-8540
Owner Type	Company
Vesting	Borrower in Default

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Nov 5, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 6, 2019	Quit Claim Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC
May 29, 2018	Warranty Deed, Transfer · VA Mortgage MORTGAGE ONE/SOUTH

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2018 · Amount on File
Deed Sale	May 29, 2018 · Amount on File
Deed Document Number	20183209648
Deed Book / Page	3351 / 4456
Last Transfer Date	Nov 2, 2020
Transfer Doc	0035034516
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	909 E CHOCTAWHATCHEE DR, NICEVILLE, FL 32578-4706
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034354372
Date	Dec 30, 2019
Book Page	3435/4372
Instrument	3326967

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jan 11, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 5, 2020
Property Address	909 E CHOCTAWHATCHEE DR, NICEVILLE, FL 32578-4706
Document Number	0035034516
Book / Page	003503 / 004516
Instrument Date	Nov 2, 2020
Instrument	3405228
Transaction Type	Transfer
Record Updated	Nov 19, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	909 E CHOCTAWHATCHEE DR NICEVILLE FL 325784706, NICEVILLE, FL 32578-4706

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 6, 2019
Property Address	909 E CHOCTAWHATCHEE DR, NICEVILLE, FL 32578-4706
Document Number	0034322212
Book / Page	003432 / 002212
Instrument Date	Dec 5, 2019
Instrument	3322592
Transaction Type	Transfer
Record Updated	Dec 27, 2019
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	909 E CHOCTAWHATCHEE DR NICEVILLE FL 325784706, NICEVILLE, FL 32578-4706

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 29, 2018
Property Address	909 E CHOCTAWHATCHEE DR, NICEVILLE, FL 32578-4706
Document Number	0033514456
Book / Page	003351 / 004456
Instrument Date	May 18, 2018
Instrument	3209648
Transaction Type	Transfer
Record Updated	Jun 26, 2018
Title Company	MTI TITLE INSURANCE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,390.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	909 E CHOCTAWHATCHEE DR NICEVILLE FL 325784706, NICEVILLE, FL 32578-4706

Mortgage

Document Number	33514458
Date	May 29, 2018
Book Page	003351/004458
Instrument	3209649

Lender

Name	MORTGAGE ONE/SOUTH
Type	Mortgage Company
Address	FORT WALTON BEACH, FL 32548

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 28, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 909 E Choctawhatchee Dr was $11,200.

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	$11,200.00	$950,259 Land $501,065 Building $449,194	$950,259 Land $501,065 Building $449,194
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$729,610	$934,444 Land $481,793 Building $452,651

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

Flood

FEMA maps place 909 E Choctawhatchee 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 197 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	197 in force
Nearby Flood Claims	79 (1994–2020)
Claims Outside the SFHA	44 of 79
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 13 claims Hurricane Frances, Sep 2004 · 21 claims Hurricane Opal, Oct 1995 · 19 claims

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 909 E Choctawhatchee Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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	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

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 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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