421 Bridgewater Ct, Mary Esther, FL 32569 Property Records

Okaloosa County property record for 421 Bridgewater Ct, Mary Esther, FL 32569

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,472 sqft · built 1995
Lot Size	0.121 acres (5,287 sqft)
Owner	Individual Name on File
Last Sale	$268,000 (Jul 2021)
Tax Bill	$2,805 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Jul 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-595-1805-0`

Property Details

APN / Parcel Number

Primary APN	`C56-000-595-1805-0`
Alternative APNs	`16-2S-25-0270-0000-0160` `25S216027000000160`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,472 sqft Living Area
Gross Area	2,030 sqft
1st Floor Area	1,472 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,287 sqft (0.121 acres)
Garage Type	Attached
Garage Area	380 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	178 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	421 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 16
Legal Range	25W
Legal Township	02S
Legal Section	16
Legal Subdivision	BRIDGEWATER S/D
Legal Lot Number	16
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2018
Census Tract	23100

Owner

421 Bridgewater Ct is owned by an individual who bought it in July 2021.

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

Owner of Record	Individual Name on File
Mailing Address	2240 SIR MICHAEL DR, HOPE MILLS, NC 28348-8107
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
Jul 12, 2021	Warranty Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC
Jul 5, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 18, 2018	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 4, 2020	Warranty Deed, Transfer · VA Mortgage UNIVERSITY LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2021 · Amount on File
Deed Sale	Jul 12, 2021 · Amount on File
Prior Sale	Jun 4, 2020 · Amount on File
Deed Document Number	20213471012
Deed Book / Page	3559 / 4142
Prior Transfer Date	Sep 22, 2006
Prior Transfer Doc	0027382900
Record Updated	Sep 20, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 12, 2021
Property Address	421 BRIDGEWATER CT, MARY ESTHER, FL 32569-2139
Document Number	0035594142
Book / Page	3559 / 4142
Map Reference	MB 14 PG 66
Instrument Date	Jul 12, 2021
Instrument	3471012
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,876.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1868 HEARTLAND DR, 1868, FORT WALTON BEACH, FL 32547-1020

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 BRIDGEWATER CT, MARY ESTHER, FL 32569-2139

Mortgage

Document Number	35594143
Date	Jul 12, 2021
Instrument	3559/4143

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	421 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	0033064452
Date	Jul 5, 2017
Book Page	3306/4452
Instrument	3145211

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Oct 1, 2020
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	3.37%
Index	1-Year T-Bill
Max Rate	5%

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	421 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	0033593322
Date	Jul 18, 2018
Book Page	3359/3322
Instrument	3220525

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	348 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Oct 1, 2020
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	3.37%
Index	1-Year CMT
Max Rate	5%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 4, 2020
Property Address	421 BRIDGEWATER CT, MARY ESTHER, FL 32569-2139
Document Number	0034663717
Book / Page	003466 / 003717
Instrument Date	May 18, 2020
Instrument	3363134
Transaction Type	Transfer
Record Updated	Aug 10, 2020
Title Company	OTHER

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1868 HEARTHIND DR FORT WALTON BEACH FL 32547, FORT WALTON BEACH, FL 32547

Mortgage

Document Number	34663719
Date	Jun 4, 2020
Book Page	003466/003719
Instrument	3363135

Lender

Name	UNIVERSITY LNDG
Address	SOUTHFIELD, MI 48034

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 3, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 421 Bridgewater Ct was $2,805.

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	$2,805.00	$235,685 Land $76,227 Building $159,458	$235,685 Land $76,227 Building $159,458
2023	$2,718.00 (+8.55%)	$222,287 (+6.36%) Land $51,104 Building $171,183	$222,287 (+6.36%) Land $51,104 Building $171,183
2022	$2,504.00	$208,999 Land $47,760 Building $161,239	$208,999 Land $47,760 Building $161,239

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

Flood

FEMA maps place 421 Bridgewater Ct in Zone X, an area of minimal 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 minimal risk
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 421 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.

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