421 Emerald Pointe Dr, Mary Esther, FL 32569 Property Records

Okaloosa County property record for 421 Emerald Pointe Dr, Mary Esther, FL 32569

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,305 sqft · built 1991
Lot Size	0.249 acres (10,840 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Feb 2026)
Tax Bill	$4,723 (2025)
Deeds & Mortgages	Feb 2026 Sale
Flood Zone	Zone AE (high risk)
APN	`C56-000-595-9181-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-595-9181-8`
Alternative APNs	`19-2S-25-101C-000B-0150` `25S219101C000B0150`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,305 sqft Living Area
Gross Area	3,126 sqft
1st Floor Area	2,305 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	10,840 sqft (0.249 acres)
Garage Type	Attached
Garage Area	513 sqft
Porch	Florida Room
Porch Area	308 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	421 EMERALD POINTE DR
City	MARY ESTHER
State	FL
Zip	32569-2720
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EMERALD POINTE PLAT III LOT 15 BLK B
Legal Range	25W
Legal Township	02S
Legal Section	19
Legal Subdivision	EMERALD POINTE
Legal Block	B
Legal Lot Number	15
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	4
Census Block	4006
Census Tract	23100

Owner

421 Emerald Pointe Dr is owned and occupied by two individuals who bought it in February 2026.

Source: Okaloosa County records, as of February 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	421 EMERALD POINTE DR, MARY ESTHER, FL 32569-2720
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2026 · Amount on File
Deed Sale	Feb 2, 2026 · Amount on File
Prior Sale	Jan 24, 2013 · Amount on File
Deed Document Number	20263796357
Prior Transfer Date	Jan 16, 2013
Prior Transfer Doc	0030754684
Record Updated	Jun 8, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 2, 2026
Property Address	421 EMERALD POINTE DR, MARY ESTHER, FL 32569-2720
Document Number	0003796357
Map Reference	MB 11 PG 68
Instrument Date	Jan 26, 2026
Instrument	3796357
Transaction Type	Transfer
Record Updated	Feb 25, 2026
Title Company	SOUTHLAND TITLE COMPANY, OLD SOUTH LAND TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$3,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4173 SERENCA WAY, GULF BREEZE, FL 32563-8121

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 EMERALD POINTE DR, MARY ESTHER, FL 32569-2720

Tax Assessment & Valuation

The 2025 property tax bill for 421 Emerald Pointe Dr was $4,723.

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	$4,723.00	$396,787 Land $82,910 Building $313,877	$396,787 Land $82,910 Building $313,877
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$204,271 (+3%)	$392,107 (+6.59%) Land $55,584 Building $336,523
2022	$1,857.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$198,321	$367,873 Land $51,948 Building $315,925

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 421 Emerald Pointe Dr 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 96 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	96 in force
Nearby Flood Claims	28 (2004–2020)
Claims Outside the SFHA	3 of 28
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 14 claims Hurricane Dennis, Jul 2005 · 2 claims Hurricane Frances, Sep 2004 · 11 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 Emerald Pointe Dr 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 251 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20