Okaloosa County property record for 409 Springate Ct, Mary Esther, FL 32569
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,139 sqft · built 1994 |
| Lot Size | 0.282 acres (12,271 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,540 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-595-2140-1 |
| Primary APN | C56-000-595-2140-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,139 sqft Living Area |
| Gross Area | 2,799 sqft |
| 1st Floor Area | 1,171 sqft |
| Upper Floors Area | 968 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 12,271 sqft (0.282 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 176 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 409 SPRINGATE CT |
|---|---|
| City | MARY ESTHER |
| State | FL |
| Zip | 32569-2128 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRINGATE LOT 4 |
| Legal Range | 25W |
| Legal Township | 02S |
| Legal Section | 16 |
| Legal Subdivision | SPRINGATE |
| Legal Lot Number | 4 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 23100 |
409 Springate Ct is owned and occupied by two individuals.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 409 SPRINGATE CT, MARY ESTHER, FL 32569-2128 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 409 Springate Ct was $1,540 with exemptions applied.
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 | $1,540.00 Homeowner's exemption Veteran's exemption | $173,537 | $313,414 Land $80,038 Building $233,376 |
| 2023 | $1,466.00 (+5.85%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $163,734 (+3%) | $303,394 (+6.45%) Land $53,659 Building $249,735 |
| 2022 | $1,385.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $158,965 | $285,024 Land $50,148 Building $234,876 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 Springate Ct in Zone X, an area of minimal flood risk, though there have been 287 flood claims nearby since 1991.
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 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.
Wildfire risk around 409 Springate Ct is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.
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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