Detached Single Family in MEIGS S/D, Niceville · No CDD on record
MEIGS S/D · Niceville, FL 32578 · Okaloosa County
Listing data updated October 10, 2026 at 4:52 AM ET · checked against the MLS hourly
3Bedrooms
1Bathrooms
1973Year Built
No CDD on record
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
Buyer leverage
Strong buyer advantage
22 days on market
12.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Below all 12
Price vs recent sales
Asking $270k is at or below all 12 recent closed sales
As of October 10, 2026, 234 Deer Street in Meigs S/D, Niceville is listed at $270,000. It has been 22 days on market. Listing facts: built in 1973. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1973 · 53 yrs
22 days on market
Listing description
About this home
Florida Cottage style home located in the heart of Niceville! Meigs Park, Niceville Recreation Center, Niceville High School, Ruckel Middle School, Children's Park, Northwest Florida State College and so much more are all just a few short minutes away! The home has had extensive renovations completed to include plumbing and electrical updates, granite counters, recessed lighting, and the installation of a metal roof in 2018.
This 1/4-acre corner lot features a main driveway with a carport as well as two additional driveways - perfect for boat storage, RV parking or guests! Additional recent updates include: *2024 Trane HVAC w/ UV Light *2024 Blown-in Attic Insulation *2021 Water Heater *2024 8X10 Shed *2026 Dishwasher and garbage disposer *2026 Bryan Pest Control Termite Bond
All 42 photos
Description provided by ERA American Real Estate and reproduced from the MLS; not independently verified.
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$270,000
Bed / bath3 / 1
Year built1973
Property typeDetached Single Family
MLS #1011485
Listing status22 days on market (MLS)
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~82 ft
CountyOkaloosa
Area listings1 active · 0 under contract
Estimated first-year tax~$2,825/yr
CDD assessmentNone on record
HOANot reported
Calculated estimates
Estimated monthly payment$1,877
Insurance (illustrative)$1k–$2k/yr
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$1,877/mo
Principal & interest $1,496/mo80%
Taxes $235/mo13%
Insurance $146/mo8%
$1,877/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Okaloosa County rate (12.89 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $1,625/yr ($135/mo) — taxable value $126,600 × 12.89 mills
$1,200 more each year
(+74%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$56,187
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$182,787
Market value
$177,322
Assessed
$126,600
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Emerald Coast AR; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
Not reported
Not stated in the listing. Confirm with the listing agent or the county record; $0 is used in the payment estimate.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~82 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Okaloosa County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Okaloosa County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneVery High
Coastal floodingRelatively Moderate
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoRelatively High
LightningVery High
Strong windRelatively Moderate
DroughtVery Low
HailVery Low
Cold waveRelatively Moderate
Winter weatherRelatively Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Property timeline
This home’s history
1973BuiltPer public record
About Sep 2026Listed (per MLS)MLS reports 22 cumulative days on market as of October 10, 2026
Sep 19, 2026First seen on movewithmomentum.comObserved at $270,000
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $270,000Momentum Realty · on market 22 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
No closed sales of a similar home within about 10 miles in Okaloosa County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for MEIGS S/D. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 12.0 months of supply in the surrounding market and 22 days on market for this home, against a 22-day area median.Days on market:this home 22Area median: 22 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. As of September 20, 2026.
50% of homes in MEIGS S/D are owner-occupied. An estimated 50% are non-owner-occupied, including 15% held in a company or trust and 9% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 392 homes matched. Community-level context.
What’s unique here: one of only 1 active listings in MEIGS S/D, no CDD assessment.
Updated October 10, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by ERA American Real Estate · MLS # 1011485
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Keep looking
Similar homes for sale near MEIGS S/D
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
202 22nd Street, Niceville · $465,000 · 5 bd / 3.0 ba · listed October 9, 2026 (courtesy of Coldwell Banker Realty)
126 Summit Court, Niceville · $399,900 · 3 bd / 2.0 ba · listed October 9, 2026 (courtesy of Real Broker LLC)
1436 Hickory Street, Niceville · $499,999 · 4 bd / 2.5 ba · listed October 6, 2026 (courtesy of EXP Realty LLC)
112 Country Club Drive #112, Niceville · $127,500 · 2 bd / 2.0 ba · listed October 6, 2026 (courtesy of Berkshire Hathaway Home Services PenFed Realty)
178 Caraway Drive, Niceville · $714,900 · 3 bd / 2.5 ba · listed October 2, 2026 (courtesy of Ruckel Properties Inc)
4276 Calinda Lane #Apt 158, Niceville · $180,000 · 1 bd / 1.0 ba · listed September 30, 2026 (courtesy of EXP Realty LLC)
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Parks Amenities
Okaloosa and Cinco Bayou open upgraded boat ramp with new trailer parking
Okaloosa County and the Town of Cinco Bayou held a ribbon cutting for upgraded boat ramp facilities, including 16 new boat trailer parking spaces, a new restroom and landscaping. The $4.1 million total, funded largely by tourism development funds, also covers the $2.95 million purchase of a former bank building at 198 Eglin Parkway NE. Future dock improvements are planned.
Why it matters: Added trailer parking and ramp access improve waterfront recreation access for Fort Walton Beach area boaters. The project is about 9 miles southwest of Meigs S D, elsewhere in Okaloosa County.
Okaloosa commissioners reject 12-month data center moratorium 3-2
Okaloosa County commissioners voted 3-2 on September 15 against a 12-month data center moratorium. On September 3 the board unanimously directed staff to develop a regulatory framework for data centers, with an outline due within 60 days. No specific project or site was proposed, and commissioners discussed protecting the Shoal River Industrial Park.
Why it matters: The pending rules will shape where large power-and-land-intensive facilities can locate in the county, including industrial land near Crestview. The project is about 19 miles north of Meigs S D, elsewhere in Okaloosa County.
Destin and Okaloosa County agree on management of 4-acre Holiday Isle state park
Destin and Okaloosa County unanimously agreed to back Destin as manager and developer of the roughly four-acre state-acquired park on Holiday Isle near Norriego Point. In return, Destin council voted 5-2 to offer free parking to all Okaloosa County residents at city-owned lots and parks. The deal still requires state Board of Trustees and DEP review.
Why it matters: Management of the Holiday Isle park and city parking rules will affect public waterfront access and parking in Destin. The project is about 6 miles south of Meigs S D, elsewhere in Okaloosa County.
DeSantis signs state budget with funding for Okaloosa County projects
Governor DeSantis signed the state budget that included roughly $15 million for 20 Okaloosa County projects, among them $5 million for the Northwest Florida State College Workforce Innovation Center in Niceville, $1.5 million for Shalimar Bridge Park, and $3 million for Destin road and drainage work. About $7.26 million in other local requests were vetoed.
Why it matters: Directs state funding toward workforce, park, road, and drainage infrastructure across Okaloosa County, supporting public facilities and capacity in Niceville, Shalimar, and Destin. The site is about 3 miles north of Meigs S D.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Okaloosa County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
EdgeAssigned elementary school · Okaloosa County School District
RuckelAssigned middle school · Okaloosa County School District
GRADEA
NicevilleAssigned high school · Okaloosa County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 234 Deer Street, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1973 (53 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
Confirm whether a mandatory HOA applies to this parcel and what it charges.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Okaloosa County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Confirm square footage and room dimensions independently.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $2,825/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,200 more per year than the current owner’s estimated bill (+74%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
Emerald Coast MLS, checked against the MLS hourly (last: October 10, 2026)
Comparable sales
Fewer than 3 defensible closed sales within about 10 miles in Okaloosa County — no medians or automated estimate shown
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Emerald Coast MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 234 Deer Street and when was it built?
Per the listing record, 234 Deer Street was built in 1973 and has 3 bedrooms and 1.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 234 Deer Street in?
234 Deer Street is in Meigs S/D in Niceville, Okaloosa County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Why might property taxes on 234 Deer Street differ from the current owner's?
The estimate on this page (about $2,825 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,200 more per year than the current owner’s estimated bill (+74%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 234 Deer Street in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 234 Deer Street in person
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
