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

Okaloosa County property record for 414 Pristine Water Ln, Mary Esther, FL 32569

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,707 sqft · built 1999
Lot Size	0.158 acres (6,889 sqft)
Owner	Owner Name on File
Last Sale	$119,900 (Nov 1999)
Tax Bill	$1,196 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Dec 2017 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`C56-000-596-0579-0`

Property Details

APN / Parcel Number

Primary APN	`C56-000-596-0579-0`
Alternative APN	`21-2S-25-3309-000C-0160`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,707 sqft Heated Area
Gross Area	2,261 sqft
1st Floor Area	1,707 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,889 sqft (0.158 acres)
Garage Type	Finished
Garage Area	418 sqft
Porch	Open Porch
Porch Area	24 sqft
Patio Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	414 PRISTINE WATER LN
City	MARY ESTHER
State	FL
Zip	32569-2176
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WATERFORD EST S/D LOT 16 BLK C
Legal Range	25
Legal Township	02S
Legal Section	21
Legal Subdivision	WATERFORD EST S/D
Legal Block	C
Legal Lot Number	16
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2023
Census Tract	23100

Owner

The current owner of 414 Pristine Water Ln acquired it in December 1999.

Source: Okaloosa County records, as of December 8, 2025

Owner of Record	Owner Name on File
Mailing Address	414 PRISTINE WATER LN, MARY ESTHER, FL 32569-2176
Occupancy	Owner Occupied

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
Apr 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 5, 2017	Deed of Trust, Mortgage · Commercial Mortgage SYNOVUS BANK
May 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
May 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 1999 · Amount on File
Deed Sale	Nov 30, 1999 · Amount on File
Deed Document Number	0022323834
Deed Book / Page	2232 / 3834
Last Transfer Date	Dec 2, 1999
Transfer Doc	0022323834
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	414 PRISTINE WATER LN, MARY ESTHER, FL 32569-2176
Transaction Type	Mortgage
Record Updated	May 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035382598
Date	Apr 9, 2021
Book Page	3538/2598
Instrument	3445338

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	414 PRISTINE WATER LN, MARY ESTHER, FL 32569-2176
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033282830
Date	Dec 5, 2017
Book Page	3328/2830
Instrument	3175976

Lender

Name	SYNOVUS BANK
Type	Bank
Address	COLUMBUS, GA 31901

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	414 PRISTINE WATER LN, MARY ESTHER, FL 32569-2176
Document Number	0034612417
Instrument Date	May 7, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	414 PRISTINE WATER LN MARY ESTHER FL 325692176, MARY ESTHER, FL 32569-2176

Mortgage

Document Number	0034612417
Date	May 12, 2020
Book Page	003461/002417
Instrument	3357556

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 11, 2040

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	414 PRISTINE WATER LN, MARY ESTHER, FL 32569-2176
Document Number	0033993585
Instrument Date	May 13, 2019
Transaction Type	Mortgage
Record Updated	Jun 11, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	414 PRISTINE WATER LN MARY ESTHER FL 325692176, MARY ESTHER, FL 32569-2176

Mortgage

Document Number	0033993585
Date	May 20, 2019
Book Page	003399/003585
Instrument	3278590

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 19, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 414 Pristine Water Ln was $1,196 with exemptions applied.

Source: Okaloosa County assessment roll, as of July 1, 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	$1,196.00 Homeowner's exemption Additional exemption filed	$155,663	$275,495 Land $69,630 Building $205,865
2023	$1,321.00 (+5.76%) Homeowner's exemption	$146,870 (+3%)	$277,587 (+8.01%) Land $56,017 Building $221,570
2022	$1,249.00 Homeowner's exemption	$142,592	$257,010 Land $52,353 Building $204,657

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

Flood

FEMA maps place 414 Pristine Water Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
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 414 Pristine Water Ln is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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