386 Pristine Water Ln, Mary Esther, FL 32569 Property Records

Okaloosa County property record for 386 Pristine Water Ln, Mary Esther, FL 32569

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,272 sqft · built 2000
Lot Size	0.12 acres (5,211 sqft)
Owner	Individual Name on File
Last Sale	$335,000 (Apr 2022)
Tax Bill	$2,251 (2025)
Deeds & Mortgages	May 2026 Mortgage Apr 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`C56-000-596-0591-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-596-0591-5`
Alternative APNs	`21-2S-25-3309-000D-0090` `25S2213309000D0090`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,272 sqft Living Area
Gross Area	1,786 sqft
1st Floor Area	1,272 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,211 sqft (0.12 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Finished/Open Porch
Porch Area	114 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	386 PRISTINE WATER LN
City	MARY ESTHER
State	FL
Zip	32569-2174
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WATERFORD EST S/D LOT 9 BLK D
Legal Range	25W
Legal Township	02S
Legal Section	21
Legal Subdivision	WATERFORD EST S/D
Legal Block	D
Legal Lot Number	9
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2023
Census Tract	23100

Owner

386 Pristine Water Ln is owned and occupied by an individual who bought it in April 2022.

Source: Okaloosa County records, as of June 1, 2026

Owner of Record	Individual Name on File
Mailing Address	386 PRISTINE WATER LN, MARY ESTHER, FL 32569-2174
Occupancy	Owner Occupied
Owner Type	Individual

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
May 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage GULF WINDS FEDERAL CREDIT UNION
Apr 8, 2022	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2022 · Amount on File
Deed Sale	Apr 8, 2022 · Amount on File
Prior Sale	Apr 30, 2009 · Amount on File
Deed Document Number	20223541130
Deed Book / Page	3615 / 1662
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Recording Date	May 11, 2026
Property Address	386 PRISTINE WATER LN, MARY ESTHER, FL 32569-2174
Document Number	0003815805
Instrument Date	Mar 20, 2026
Instrument	20263815805
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 PRISTINE WATER LN, MARY ESTHER, FL 32569-2174

Mortgage

Document Number	0003815805,
Date	May 11, 2026
Instrument	20263815805

Lender

Name	GULF WINDS FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.35%
Initial Type	Fixed Rate
Max Rate	-1%

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 8, 2022
Property Address	386 PRISTINE WATER LN, MARY ESTHER, FL 32569-2174
Document Number	0036151662
Book / Page	3615 / 1662
Map Reference	MB 18 PG 22
Instrument Date	Apr 8, 2022
Instrument	3541130
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	VINTAGE TITLE AND ESCROW INC, VINTAGE TITLE & ESCROW INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,345.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24 WINDSOR LN NE, 24, FORT WALTON BEACH, FL 32547-1745

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 PRISTINE WATER LN, MARY ESTHER, FL 32569-2174

Mortgage

Document Number	0036151664
Date	Apr 8, 2022
Instrument	3615/1664

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 386 Pristine Water Ln was $2,251 with a homeowner's exemption.

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	$2,251.00 Homeowner's exemption	$228,270 Land $69,630 Building $158,640	$228,270 Land $69,630 Building $158,640
2023	$2,314.00 (+0.3%) Homeowner's exemption	$228,043 (+7.77%) Land $56,017 Building $172,026	$228,043 (+7.77%) Land $56,017 Building $172,026
2022	$2,307.00	$211,596 Land $52,353 Building $159,243	$211,596 Land $52,353 Building $159,243

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

Flood

FEMA maps place 386 Pristine Water Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 259 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	259 in force
Nearby Flood Claims	287 (1991–2021)
Claims Outside the SFHA	104 of 287
Most Recent Claim	Jul 2021 · other causes
Claims by Event	Hurricane Sally, Sep 2020 · 37 claims Hurricane Frances, Sep 2004 · 122 claims Hurricane Opal, Oct 1995 · 76 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 386 Pristine Water Ln 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 67% of the US · lower than 92% 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 CO.WTR.; SWR.SYSTEM serves 80,295 people · EPA ID FL1460506
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	3 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 436 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 · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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