Okaloosa County property record for 404 Springate Ct, Mary Esther, FL 32569
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,244 sqft · built 1994 |
| Lot Size | 0.128 acres (5,585 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $390,000 (Sep 2026) |
| Tax Bill | $3,081 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Feb 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-595-2146-8 |
| Primary APN | C56-000-595-2146-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,244 sqft Living Area |
| Gross Area | 2,875 sqft |
| 1st Floor Area | 1,143 sqft |
| Upper Floors Area | 1,092 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 5,585 sqft (0.128 acres) |
| Garage Type | Attached |
| Garage Area | 470 sqft |
| Porch | Slab |
| Porch Area | 161 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 404 SPRINGATE CT |
|---|---|
| City | MARY ESTHER |
| State | FL |
| Zip | 32569-2127 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRINGATE LOT 10 |
| Legal Range | 25W |
| Legal Township | 02S |
| Legal Section | 16 |
| Legal Subdivision | SPRINGATE |
| Legal Lot Number | 10 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 23100 |
Source: Okaloosa County records, as of October 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 16 STOWE RD, MARY ESTHER, FL 32569-2148 |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Sep 23, 2026 | Warranty Deed, Transfer · VA Mortgage BANK OF ENGLAND |
| Feb 28, 2022 | Warranty Deed, Transfer · VA Mortgage PRIMELENDING |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 23, 2026 · Amount on Record |
| Deed Sale | Sep 23, 2026 · Amount on Record |
| Prior Sale | Feb 28, 2022 · Amount on Record |
| Deed Document Number | 20263840153 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 23, 2026 |
| Property Address | 404 SPRINGATE CT, MARY ESTHER, FL 32569-2127 |
| Document Number | 0003840153 |
| Instrument Date | Sep 22, 2026 |
| Instrument | 20263840153 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2026 |
| Title Company | WAYPOINT TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $275,730.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16 STOWE RD, MARY ESTHER, FL 32569-2148 |
| Document Number | 0003840154, |
|---|---|
| Date | Sep 23, 2026 |
| Instrument | 20263840154 |
| Name | BANK OF ENGLAND |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Feb 28, 2022 |
| Property Address | 404 SPRINGATE CT, MARY ESTHER, FL 32569-2127 |
| Document Number | 0036064101 |
| Book / Page | 3606 / 4101 |
| Map Reference | MB 14 PG 6 |
| Instrument Date | Dec 16, 2021 |
| Instrument | 3530089 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2022 |
| Title Company | NOT AVAILABLE, CERTIFIED TITLE CORPORATION |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,338.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 404 SPRINGATE CT, 404, MARY ESTHER, FL 32569-2127 |
| Name | Verified Name |
|---|---|
| Address | 404 SPRINGATE CT, MARY ESTHER, FL 32569-2127 |
| Document Number | 0036064105 |
|---|---|
| Date | Feb 28, 2022 |
| Instrument | 3606/4105 |
| Name | PRIMELENDING |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 1, 2052 |
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,081.00 (+3.98%) | $297,974 (+5.99%) | $300,184 (+3.49%) Land $68,604 Building $231,580 |
| 2023 | $2,963.00 (+5.41%) Homeowner's exemption | $281,142 (+3%) | $290,052 (+6.26%) Land $45,993 Building $244,059 |
| 2022 | $2,811.00 Homeowner's exemption | $272,953 Land $42,984 Building $229,969 | $272,953 Land $42,984 Building $229,969 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 63% of the US · lower than 61% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 218 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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