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

Okaloosa County property record for 396 Pristine Water Ln, Mary Esther, FL 32569

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,616 sqft · built 2000
Lot Size	0.125 acres (5,458 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Nov 2022)
Tax Bill	$2,584 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Jan 2022 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`C56-000-596-0586-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-596-0586-5`
Alternative APNs	`21-2S-25-3309-000D-0040` `25S2213309000D0040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,616 sqft Living Area
Gross Area	2,166 sqft
1st Floor Area	1,616 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	5,458 sqft (0.125 acres)
Garage Type	Attached
Garage Area	380 sqft
Porch	Finished/Open Porch
Porch Area	30 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	396 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 4 BLK D
Legal Range	25W
Legal Township	02S
Legal Section	21
Legal Subdivision	WATERFORD EST S/D
Legal Block	D
Legal Lot Number	4
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2023
Census Tract	23100

Owner

396 Pristine Water Ln is owned and occupied by two individuals who bought it in November 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	396 PRISTINE WATER LN, MARY ESTHER, FL 32569-2174
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Nov 8, 2022	Warranty Deed, Transfer · VA Mortgage UNIVERSITY BANK
Jan 6, 2022	Deed of Distribution, Transfer ACCOMODATION, ACCOMMODATION
May 19, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2022 · Amount on File
Deed Sale	Nov 8, 2022 · Amount on File
Prior Sale	Dec 18, 2000 · Amount on File
Deed Document Number	20223589838
Deed Book / Page	3650 / 2904
Prior Transfer Date	Apr 23, 2020
Prior Transfer Doc	0034624833
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 8, 2022
Property Address	396 PRISTINE WATER LN, MARY ESTHER, FL 32569-2174
Document Number	0036502904
Book / Page	3650 / 2904
Map Reference	MB 18 PG 22
Instrument Date	Oct 31, 2022
Instrument	3589838
Transaction Type	Transfer
Record Updated	Dec 6, 2022
Title Company	PURE TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	533 REGENCY CIROAK, 533, VACAVILLE, CA 95687

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	396 PRISTINE WATER LN, MARY ESTHER, FL 32569-2174

Mortgage

Document Number	0036502906
Date	Nov 8, 2022
Instrument	3650/2906

Lender

Name	UNIVERSITY BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2052

January 2022: Deed of Distribution, Transfer

Document Type	Deed of Distribution
Jurisdiction	OKALOOSA FL
Recording Date	Jan 6, 2022
Property Address	396 PRISTINE WATER LN, MARY ESTHER, FL 32569-2174
Document Number	0035971831
Book / Page	3597 / 1831
Map Reference	MB 18 PG 22
Instrument Date	Nov 24, 2021
Instrument	3517976
Transaction Type	Transfer
Record Updated	Jan 28, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	754 STALLION CIR, 754, FAIRFIELD, CA 94533-7718

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	533 REGENCY CIR, VACAVILLE, CA 95687-4625

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 19, 2020
Property Address	396 PRISTINE WATER LN, MARY ESTHER, FL 32569-2174
Document Number	0034624833
Book / Page	003462 / 004833
Instrument Date	Apr 23, 2020
Instrument	3359165
Transaction Type	Transfer
Record Updated	Jun 26, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	754 STALLION CIR FAIRFIELD CA 945337718, FAIRFIELD, CA 94533-7718

Tax Assessment & Valuation

The 2025 property tax bill for 396 Pristine Water Ln was $2,584 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	$2,584.00 Homeowner's exemption	$256,187 Land $69,630 Building $186,557	$256,187 Land $69,630 Building $186,557
2023	$2,676.00 (-3.67%) Homeowner's exemption	$257,678 (+11.15%) Land $56,017 Building $201,661	$257,678 (+11.15%) Land $56,017 Building $201,661
2022	$2,778.00	$231,830 Land $52,353 Building $179,477	$231,830 Land $52,353 Building $179,477

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

Flood

FEMA maps place 396 Pristine Water Ln in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 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 396 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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