912 E Choctawhatchee Dr, Niceville, FL 32578 Property Records

Okaloosa County property record for 912 E Choctawhatchee Dr, Niceville, FL 32578

Property Summary

Property Type	Single Family Home
Details	5 bd · 7 ba · 6,878 sqft · built 2020
Lot Size	1 acres (43,789 sqft)
Owner	Trust Name on File
Last Sale	$132,000 (Jan 2017)
Tax Bill	$18,702 (2025)
Deeds & Mortgages	Dec 2018 Line of Credit Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-598-1691-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-598-1691-8`
Alternative APN	`36-1S-22-0000-0003-0070`

Interior

Bedrooms	5 Beds
Full Baths	7 Baths
Stories	2 Stories
Building Area	6,878 sqft Heated Area
Gross Area	9,481 sqft
1st Floor Area	6,172 sqft
Flooring	Hardwood
Interior Walls	Custom/Decorative
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	43,789 sqft (1 acres)
Lot Width	140 ft Width
Garage Type	Finished
Garage Area	1,452 sqft
Porch	Open Porch
Porch Area	1,151 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	912 E CHOCTAWHATCHEE DR
City	NICEVILLE
State	FL
Zip	32578-4705
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM NE COR OF GOV LOT 2 S 1442 .15 FT N 76 DEG W 141.7 FT TO POB S 29 DEG W 336 FT TO R/W N 60 DEG W 138 FT N 29 DEG E 298 .3
Legal Range	22
Legal Township	01S
Legal Section	36
Legal Lot Number	2
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	1
Census Block	1019
Census Tract	21001

Owner

912 E Choctawhatchee Dr is owner-occupied and held in a trust since July 2025.

Source: Okaloosa County records, as of December 8, 2025

Owner of Record	Trust Name on File
Co-owner	Co-owner on File
Mailing Address	912 E CHOCTAWHATCHEE DR, NICEVILLE, FL 32578-4705
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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 3, 2018	Trustee's Deed, Construction Loan · Line of Credit PNB COMMUNITY BANK
Jan 10, 2017	Warranty Deed, Transfer PEOPLES NATIONAL BANK

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jan 10, 2017 · Amount on File
Deed Sale	Jan 10, 2017 · Amount on File
Prior Sale	Jan 10, 2017 · Amount on File
Deed Document Number	0032831193
Deed Book / Page	3283 / 1193
Last Transfer Date	Jul 17, 2025
Transfer Doc	0003764294
Record Updated	Jun 8, 2026

December 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 3, 2018
Property Address	912 E CHOCTAWHATCHEE DR, NICEVILLE, FL 32578-4705
Document Number	0033763945
Book / Page	003376 / 003945
Instrument Date	Nov 30, 2018
Instrument	3246113
Transaction Type	Construction Loan
Record Updated	Dec 14, 2018
Title Company	FIRST NATIONAL LAND TRANSFER, FIRST NAT'L LAND TRANSFER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	139 MEADOW WOODS LN NICEVILLE FL 325783938, NICEVILLE, FL 32578-3938

Mortgage

Document Number	33763945
Date	Dec 3, 2018
Book Page	003376/003945
Instrument	3246113

Lender

Name	PNB COMMUNITY BANK
Address	1020 JOHN SIMS PKWY E, NICEVILLE, FL 32578-2202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Dec 2, 2019

Interest

Rate Type	Adjustable Rate

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 10, 2017
Property Address	912 E CHOCTAWHATCHEE DR, NICEVILLE, FL 32578-4705
Document Number	0032831193
Book / Page	3283 / 1193
Instrument Date	Jan 6, 2017
Instrument	3111551
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	BURTON LAW AND TITLE PL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$924.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1237 GLENVIEW CT, 1237, FAIRBORN, OH 45324-5808

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 RIPPLING CREEK CV, NICEVILLE, FL 32578-1641

Mortgage

Document Number	0003111552
Date	Jan 10, 2017
Instrument	3111552

Lender

Name	PEOPLES NATIONAL BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	12 Months
Due	Jan 9, 2018

Tax Assessment & Valuation

The 2025 property tax bill for 912 E Choctawhatchee Dr was $18,702 with a homeowner's exemption.

Source: Okaloosa County assessment roll, as of July 1, 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	$18,702.00 Homeowner's exemption	$1,625,750	$1,990,177 Land $162,422 Building $1,827,755
2023	$17,795.00 (+2.17%) Homeowner's exemption	$1,533,915 (+3%)	$1,959,468 (+6.33%) Land $137,096 Building $1,822,372
2022	$17,417.00 Homeowner's exemption	$1,489,238	$1,842,876 Land $130,567 Building $1,712,309

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

Flood

FEMA maps place 912 E Choctawhatchee Dr in Zone X, an area of minimal flood risk, within 500 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 500 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 912 E Choctawhatchee Dr is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.08% 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	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.

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