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

Okaloosa County property record for 409 Pristine Water Ln, Mary Esther, FL 32569

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,363 sqft · built 2000
Lot Size	0.127 acres (5,529 sqft)
Owner	2 Individual Names on File
Last Sale	$249,000 (Oct 2018)
Tax Bill	$2,858 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Oct 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`C56-000-596-0618-6`

Property Details

APN / Parcel Number

Primary APN	`C56-000-596-0618-6`
Alternative APNs	`21-2S-25-3309-000E-0190` `25S2213309000E0190`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,363 sqft Living Area
Gross Area	3,277 sqft
1st Floor Area	1,307 sqft
Upper Floors Area	1,056 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	5,529 sqft (0.127 acres)
Garage Type	Attached
Garage Area	483 sqft
Porch	Finished/Open Porch
Porch Area	431 sqft
Patio Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	409 PRISTINE WATER LN
City	MARY ESTHER
State	FL
Zip	32569-2177
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WATERFORD EST S/D LOT 19 BLK E
Legal Range	25W
Legal Township	02S
Legal Section	21
Legal Subdivision	WATERFORD EST S/D
Legal Block	E
Legal Lot Number	19
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2026
Census Tract	23100

Owner

409 Pristine Water Ln is owned and occupied by two individuals who bought it in October 2018.

Source: Okaloosa County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	305 FREEMAN DR, HAMPTON, VA 23666-4239
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
Jun 17, 2021	Deed of Trust, Mortgage · VA Mortgage NET 1 FUNDING CORP
Oct 24, 2018	Warranty Deed, Transfer · VA Mortgage PRIMELENDING
Oct 18, 2018	Deed of Trust, Mortgage · VA Mortgage PRIMELENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2018 · Amount on File
Deed Sale	Oct 24, 2018 · Amount on File
Prior Sale	Dec 4, 2000 · Amount on File
Deed Document Number	20183239511
Deed Book / Page	3372 / 1702
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	409 PRISTINE WATER LN, MARY ESTHER, FL 32569-2177
Transaction Type	Mortgage
Record Updated	Jul 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 PRISTINE WATER LN, MARY ESTHER, FL 32569-2177

Mortgage

Document Number	0035540837
Date	Jun 17, 2021
Book Page	3554/837
Instrument	3464334

Lender

Name	NET 1 FUNDING CORP
Type	Lending Institution
Address	HENDERSON, NV 89052

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	May 1, 2051

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 24, 2018
Property Address	409 PRISTINE WATER LN, MARY ESTHER, FL 32569-2177
Document Number	0033721702
Book / Page	003372 / 001702
Instrument Date	Oct 18, 2018
Instrument	3239511
Transaction Type	Transfer
Record Updated	Nov 13, 2018
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,743.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	409 PRISTINE WATER LN MARY ESTHER FL 325692177, MARY ESTHER, FL 32569-2177

Mortgage

Document Number	33721703
Date	Oct 24, 2018
Book Page	003372/001703
Instrument	3239512

Lender

Name	PRIMELENDING
Address	DALLAS, TX 75252

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 23, 2048

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	409 PRISTINE WATER LN, MARY ESTHER, FL 32569-2177
Document Number	0033752267
Instrument Date	Oct 18, 2018
Transaction Type	Mortgage
Record Updated	Dec 11, 2018
Title Company	NATIONWIDE TITLE CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	409 PRISTINE WATER LN MARY ESTHER FL 325692177, MARY ESTHER, FL 32569-2177

Mortgage

Document Number	0033752267
Date	Nov 20, 2018
Book Page	003375/002267
Instrument	3244157

Lender

Name	PRIMELENDING
Address	DALLAS, TX 75252

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 409 Pristine Water Ln was $2,858 with exemptions applied.

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	$2,858.00 Homeowner's exemption Veteran's exemption	$284,247	$356,268 Land $69,630 Building $286,638
2023	$2,744.00 (+5.54%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$268,190 (+3%)	$354,234 (+7.95%) Land $56,017 Building $298,217
2022	$2,600.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$260,379	$328,139 Land $52,353 Building $275,786

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

Flood

FEMA maps place 409 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 409 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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