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

Okaloosa County property record for 427 Pristine Water Ln, Mary Esther, FL 32569

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,340 sqft · built 2002
Lot Size	0.091 acres (3,970 sqft)
Owner	Individual Name on File
Last Sale	$345,000 (Oct 2023)
Tax Bill	$2,275 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`C56-000-596-0628-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-596-0628-5`
Alternative APNs	`21-2S-25-3309-000E-0290` `25S2213309000E0290`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,340 sqft Living Area
Gross Area	1,742 sqft
1st Floor Area	865 sqft
Upper Floors Area	475 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	3,970 sqft (0.091 acres)
Garage Type	Attached
Garage Area	192 sqft
Porch	Finished/Open Porch
Porch Area	60 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	427 PRISTINE WATER LN
City	MARY ESTHER
State	FL
Zip	32569-2167
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WATERFORD EST S/D LOT 29 BLK E
Legal Range	25W
Legal Township	02S
Legal Section	21
Legal Subdivision	WATERFORD EST S/D
Legal Block	E
Legal Lot Number	29
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2026
Census Tract	23100

Owner

427 Pristine Water Ln is owned and occupied by an individual who bought it in October 2023.

Source: Okaloosa County records, as of August 14, 2026

Owner of Record	Individual Name on File
Mailing Address	427 PRISTINE WATER LN, MARY ESTHER, FL 32569-2167
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Oct 3, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Dec 22, 2020	Warranty Deed, Transfer · Conventional Mortgage ON Q FINANCIAL INC
Dec 1, 2020	Correction Deed STERLING TITLE PARTNERS INC, STERLING TITLE PTRS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2023 · Amount on File
Deed Sale	Oct 3, 2023 · Amount on File
Prior Sale	Dec 22, 2020 · Amount on File
Deed Document Number	20233650062
Prior Transfer Date	Nov 4, 2020
Prior Transfer Doc	0035084420
Record Updated	Sep 20, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 3, 2023
Property Address	427 PRISTINE WATER LN, MARY ESTHER, FL 32569-2167
Document Number	0003650062
Map Reference	MB 18 PG 22
Instrument Date	Oct 2, 2023
Instrument	3650062
Transaction Type	Transfer
Record Updated	Nov 16, 2023
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,415.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2329 PONDS WAY, SHAKOPEE, MN 55379-4391

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 PRISTINE WATER LN, MARY ESTHER, FL 32569-2167

Mortgage

Document Number	0003650063
Date	Oct 3, 2023
Instrument	3650063

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 22, 2020
Property Address	427 PRISTINE WATER LN, MARY ESTHER, FL 32569-2167
Document Number	0035133775
Book / Page	3513 / 3775
Map Reference	MB 18 PG 22
Instrument Date	Dec 18, 2020
Instrument	3416688
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	MEAD LAW & TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8631 BRISTOLWOOD CIR, 8631, NAVARRE, FL 32566-2431

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 PRISTINE WATER LN, MARY ESTHER, FL 32569-2167
Investor	Possibly a Property Investor

Mortgage

Document Number	0035133777
Date	Dec 22, 2020
Instrument	3513/3777

Lender

Name	ON Q FINANCIAL INC
Type	Funding / Finance Company

Agreement

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

December 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 1, 2020
Property Address	427 PRISTINE WATER LN, MARY ESTHER, FL 32569-2167
Document Number	0035084420
Book / Page	003508 / 004420
Instrument Date	Nov 4, 2020
Instrument	3411156
Record Updated	Dec 16, 2020
Title Company	STERLING TITLE PARTNERS INC, STERLING TITLE PTRS INC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	427 PRISTINE WATER LN MARY ESTHER FL 325692167, MARY ESTHER, FL 32569-2167

Tax Assessment & Valuation

The 2025 property tax bill for 427 Pristine Water Ln was $2,275.

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	$2,275.00	$230,214 Land $69,630 Building $160,584	$230,214 Land $69,630 Building $160,584
2023	$2,192.00 (-1.66%) Homeowner's exemption	$218,093 (+7.74%) Land $56,017 Building $162,076	$218,093 (+7.74%) Land $56,017 Building $162,076
2022	$2,229.00	$202,425 Land $52,353 Building $150,072	$202,425 Land $52,353 Building $150,072

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

Flood

FEMA maps place 427 Pristine Water Ln in Zone X, an area of moderate flood risk, within 100 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 100 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 427 Pristine Water Ln 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 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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