394 E Pine St, Mary Esther, FL 32569 Property Records

Okaloosa County property record for 394 E Pine St, Mary Esther, FL 32569 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,520 sqft · built 1986
Lot Size	0.239 acres (10,417 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Oct 2025)
Tax Bill	$1,475 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-595-8233-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-595-8233-8`
Alternative APN	`18-2S-25-272B-000A-0130`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,520 sqft Heated Area
Gross Area	2,384 sqft
1st Floor Area	1,520 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	10,417 sqft (0.239 acres)
Lot Width	80 ft Width
Garage Type	Carport
Carport	Carport
Porch	Open Porch
Porch Area	168 sqft
Patio Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	394 E PINE ST
City	MARY ESTHER
State	FL
Zip	32569-2601
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WYNNEHAVEN BCH EST LOT 13 BLK A & 30 FT S OF LOT 13
Legal Range	25
Legal Township	02S
Legal Section	18
Legal Subdivision	WYNNEHAVEN BCH ESTATES ADD
Legal Block	A
Legal Lot Number	13
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	4
Census Block	4016
Census Tract	23100

Owner

Source: Okaloosa County records · APN C56-000-595-8233-8

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	394 E PINE ST, MARY ESTHER, FL 32569-2601
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2025	Warranty Deed, Transfer · VA Mortgage COMMERCE BANK
Jul 14, 2021	Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 15, 2025 · Amount on Record
Deed Sale	Oct 15, 2025 · Amount on Record
Prior Sale	Jul 14, 2021 · Amount on Record
Deed Document Number	3778058
Record Updated	Jun 08, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 15, 2025
Property Address	394 E PINE ST, MARY ESTHER, FL 32569-2601
Document Number	0003778058
Map Reference	MB 4 PG 53
Instrument Date	Oct 14, 2025
Instrument	3778058
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	BRIGHT LIGHT LAND TITLE COMPANY LLC, BRIGHT LIGHT LAND TTL CO LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	292 WHISTLING PINE RD, SEVERNA PARK, MD 21146-2171

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	394 E PINE ST, MARY ESTHER, FL 32569-2601

Mortgage

Document Number	0003778059
Date	Oct 15, 2025
Instrument	3778059

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 14, 2021
Property Address	394 E PINE ST, MARY ESTHER, FL 32569-2601
Document Number	0035601881
Book / Page	3560 / 1881
Map Reference	MB 4 PG 53
Instrument Date	Jul 03, 2021
Instrument	3471808
Transaction Type	Transfer
Record Updated	Aug 03, 2021
Title Company	FIRST NATL LAND TTL CO INC

Transaction

Amount	Amount Recorded
Tax	$530.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2410 FLORIDA AVE, 2410, OVIEDO, FL 32765-8914

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	292 WHISTLING PINE RD, SEVERNA PARK, MD 21146-2171

Mortgage

Document Number	35601883
Date	Jul 14, 2021
Instrument	3560/1883

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2051

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,475.00 (+4.09%) Homeowner's exemption	$152,067 (+2.65%)	$192,756 (+2.5%) Land $53,838 Building $138,918
2024	$1,417.00 (+3.2%) Homeowner's exemption	$148,145 (+1.98%)	$188,050 (+1.4%) Land $39,703 Building $148,347
2023	$1,373.00 (+9.84%) Homeowner's exemption	$145,265 (+6.72%)	$185,445 (+8.94%) Land $36,093 Building $149,352
2022	$1,250.00 Homeowner's exemption	$136,123	$170,222 Land $33,732 Building $136,490

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120910231004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 96 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	96 in force
Nearby Flood Claims	28 (2004–2020)
Claims Outside the SFHA	3 of 28
Most Recent Claim	Sep 2020, rainfall accumulation, Hurricane Sally
Claims By Storm	Hurricane Sally, Sep 2020 · 14 claims Hurricane Dennis, Jul 2005 · 2 claims Hurricane Frances, Sep 2004 · 11 claims

Wildfire

Wildfire Risk	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	About 1 in 495 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 251 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Cable	2,000 / 100
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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