4 Windale Rd, Mary Esther, FL 32569 Property Records

Okaloosa County property record for 4 Windale Rd, Mary Esther, FL 32569

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,189 sqft · built 2002
Lot Size	0.219 acres (9,533 sqft)
Owner	Individual Name on File
Last Sale	$390,000 (Oct 2026)
Tax Bill	$4,901 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Jun 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-595-4530-1`

Property Details

APN / Parcel Number

Primary APN	`C56-000-595-4530-1`
Alternative APNs	`17-2S-24-1100-000E-001A` `24S2171100000E001A`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,189 sqft Living Area
Gross Area	2,845 sqft
1st Floor Area	2,189 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,533 sqft (0.219 acres)
Garage Type	Attached
Garage Area	440 sqft
Porch	Slab
Porch Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4 WINDALE RD
City	MARY ESTHER
State	FL
Zip	32569-1800
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GULFVIEW S/D S55 FT LOTS 1 & 2 BLK E AND N 40 FT LOTS 19 & 20 BLK E
Legal Range	24W
Legal Township	02S
Legal Section	17
Legal Subdivision	GULFVIEW S/D
Legal Block	E,N
Legal Lot Number	1A
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	3
Census Block	3036
Census Tract	22900

Owner

4 Windale Rd is owned by an individual who bought it in October 2026.

Source: Okaloosa County records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	138 LONG POINTE DR, MARY ESTHER, FL 32569-1343
Owner Type	Individual
Vesting	Unmarried Woman

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
Oct 1, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Jun 6, 2022	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2026 · Amount on File
Deed Sale	Oct 1, 2026 · Amount on File
Prior Sale	Jun 29, 2006 · Amount on File
Deed Document Number	20263841834
Prior Transfer Date	Apr 23, 2002
Prior Transfer Doc	0001918838
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 1, 2026
Property Address	4 WINDALE RD, MARY ESTHER, FL 32569-1800
Document Number	0003841834
Instrument Date	Sep 30, 2026
Instrument	20263841834
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	BRADLEY TITLE CORPORATION, BRADLEY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$275,730.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 LONG POINTE DR, MARY ESTHER, FL 32569-1343

Mortgage

Document Number	0003841835,
Date	Oct 1, 2026
Instrument	20263841835

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

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

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4 WINDALE RD, MARY ESTHER, FL 32569-1800
Transaction Type	Mortgage
Record Updated	Jul 8, 2022
Title Company	AMERICAS SETTLEMENT COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 WINDALE RD, MARY ESTHER, FL 32569-1800

Mortgage

Document Number	0036260319
Date	Jun 6, 2022
Book Page	3626/319
Instrument	3555405

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 4 Windale Rd was $4,901.

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Municipality	Mary Esther City
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,901.00	$343,826 Land $59,903 Building $283,923	$343,826 Land $59,903 Building $283,923
2023	$2,142.00 (+3.13%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$194,664 (+3%)	$359,555 (+6.62%) Land $48,192 Building $311,363
2022	$2,077.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$188,994	$337,243 Land $45,039 Building $292,204

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.

Flood

FEMA maps place 4 Windale Rd in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1990.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 73 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	73 in force
Nearby Flood Claims	21 (1990–2024)
Claims Outside the SFHA	20 of 21
Most Recent Claim	Jun 2024 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 3 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 5 claims Hurricane Frances, Sep 2004 · 2 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 4 Windale Rd 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 96% of the US · lower than 96% 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	CITY OF MARY ESTHER serves 4,013 people · EPA ID FL1460455
Water Source	Groundwater
Last State Inspection	Jul 2024
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 330 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Cox Communications Cable	2,000 / 100

May also be available: Verizon.

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