415 Bridgewater Ct, Mary Esther, FL 32569 Property Records

Okaloosa County property record for 415 Bridgewater Ct, Mary Esther, FL 32569

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,523 sqft · built 1994
Lot Size	0.159 acres (6,923 sqft)
Owner	Individual Name on File
Last Sale	$202,000 (Jun 2018)
Tax Bill	$1,435 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`C56-000-595-1808-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-595-1808-4`
Alternative APNs	`16-2S-25-0270-0000-0190` `25S216027000000190`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,523 sqft Living Area
Gross Area	2,107 sqft
1st Floor Area	1,523 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	6,923 sqft (0.159 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch
Porch Area	20 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	415 BRIDGEWATER CT
City	MARY ESTHER
State	FL
Zip	32569-2139
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRIDGEWATER S/D LOT 19
Legal Range	25W
Legal Township	02S
Legal Section	16
Legal Subdivision	BRIDGEWATER S/D
Legal Lot Number	19
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2018
Census Tract	23100

Owner

415 Bridgewater Ct is owned and occupied by an individual who bought it in June 2018.

Source: Okaloosa County records, as of December 31, 2025

Owner of Record	Individual Name on File
Mailing Address	415 BRIDGEWATER CT, MARY ESTHER, FL 32569-2139
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
Apr 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Dec 30, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 7, 2018	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Apr 9, 2018	Warranty Deed, Transfer H AND S TITLE AND ESCROW INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2018 · Amount on File
Deed Sale	Jun 7, 2018 · Amount on File
Prior Sale	Aug 16, 2005 · Amount on File
Deed Document Number	20183211963
Deed Book / Page	3353 / 3063
Prior Transfer Date	Dec 6, 2012
Prior Transfer Doc	0030674778
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	415 BRIDGEWATER CT, MARY ESTHER, FL 32569-2139
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034552652
Date	Apr 13, 2020
Book Page	3455/2652
Instrument	3351035

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	339 Months
Due	Jul 1, 2048

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	415 BRIDGEWATER CT, MARY ESTHER, FL 32569-2139
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035151176
Date	Dec 30, 2020
Book Page	3515/1176
Instrument	3418235

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	333 Months
Due	Sep 1, 2048

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 7, 2018
Property Address	415 BRIDGEWATER CT, MARY ESTHER, FL 32569-2139
Document Number	0033533063
Book / Page	003353 / 003063
Instrument Date	May 25, 2018
Instrument	3211963
Transaction Type	Transfer
Record Updated	Jul 2, 2018
Title Company	H AND S TITLE AND ESCROW INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,414.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1622 SUTTON PL FORT WALTON BEACH FL 325474960, FORT WALTON BEACH, FL 32547-4960

Mortgage

Document Number	33533064
Date	Jun 7, 2018
Book Page	003353/003064
Instrument	3211964

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 6, 2048

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 9, 2018
Property Address	415 BRIDGEWATER CT, MARY ESTHER, FL 32569-2139
Document Number	0033444389
Book / Page	003344 / 004389
Instrument Date	Mar 19, 2018
Instrument	3199291
Transaction Type	Transfer
Record Updated	Apr 17, 2018
Title Company	H AND S TITLE AND ESCROW INC

Transaction

Amount	Amount on Record
Tax	$798.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	981 HIGHWAY 98 E #3-241 DESTIN FL 325412584, 3-241, DESTIN, FL 32541-2584

Tax Assessment & Valuation

The 2025 property tax bill for 415 Bridgewater Ct was $1,435 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	$1,435.00 Homeowner's exemption Veteran's exemption	$164,717	$251,745 Land $83,850 Building $167,895
2023	$1,364.00 (+5.9%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$155,413 (+3%)	$237,080 (+6.39%) Land $56,214 Building $180,866
2022	$1,288.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$150,886	$222,848 Land $52,536 Building $170,312

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

Flood

FEMA maps place 415 Bridgewater Ct in Zone X, an area of moderate flood risk, within 500 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 500 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 415 Bridgewater Ct 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 65% 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 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.

Nearby Properties on Bridgewater Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures