435 Pine Ln, Mary Esther, FL 32569 Property Records

Okaloosa County property record for 435 Pine Ln, Mary Esther, FL 32569

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 2,180 sqft · built 2024
Lot Size	0.706 acres (30,741 sqft)
Owner	2 Individual Names on File
Last Sale	$335,000 (Jun 2017)
Tax Bill	$6,017 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Aug 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-595-1619-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-595-1619-5`
Alternative APNs	`16-2S-25-0000-0028-0000` `25S216000000280000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,180 sqft Living Area
Gross Area	2,972 sqft
1st Floor Area	2,180 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	30,741 sqft (0.706 acres)
Lot Dimensions	140 ft deep x 35 ft wide
Porch	Finished/Open Porch
Porch Area	348 sqft
Patio Area	302 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	435 PINE LN
City	MARY ESTHER
State	FL
Zip	32569-2347
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SW COR E 807.3FT TO POB N 306FT W 93.12FT S 154.25FT W 18FT S 135FT M/L TO W/E THC SELY ALG W/E 35FT TO POB REF COURT ORDER 02-443-CP LESS THE NORTH 100 FT
Legal Range	25W
Legal Township	02S
Legal Section	16
Legal Block	28
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	4
Census Block	4001
Census Tract	23100

Owner

435 Pine Ln is owned and occupied by two individuals who bought it in June 2017.

Source: Okaloosa County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	435 PINE LN, MARY ESTHER, FL 32569-2347
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 1, 2024	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 15, 2023	Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC
Jun 28, 2017	Quit Claim Deed, Transfer RELIABLE LAND TITLE AGENCY LLC
Jun 28, 2017	Warranty Deed, Transfer ATTORNEY ONLY
Dec 27, 2016	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2017 · Amount on File
Deed Sale	Jun 28, 2017 · Amount on File
Prior Sale	Jul 20, 2016 · Amount on File
Deed Document Number	20173144141
Deed Book / Page	3306 / 633
Prior Transfer Date	Jun 26, 2017
Prior Transfer Doc	0033060631
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	435 PINE LN, MARY ESTHER, FL 32569-2347
Transaction Type	Mortgage
Record Updated	Apr 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 PINE LN, MARY ESTHER, FL 32569-2347

Mortgage

Document Number	0003679309
Date	Apr 1, 2024
Instrument	3679309

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	585 SOUTH BLVD E, PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2054

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	435 PINE LN, MARY ESTHER, FL 32569-2347
Transaction Type	Mortgage
Record Updated	Sep 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 PINE LN, MARY ESTHER, FL 32569-2347

Mortgage

Document Number	0036874190
Date	Aug 15, 2023
Book Page	3687/4190
Instrument	3641484

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Sep 5, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 28, 2017
Property Address	435 PINE LN, MARY ESTHER, FL 32569-2347
Document Number	0033060631
Book / Page	003306 / 000631
Instrument Date	Jun 26, 2017
Instrument	3144139
Transaction Type	Transfer
Record Updated	Dec 8, 2017
Title Company	RELIABLE LAND TITLE AGENCY LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9896 W RIVER RD IRONS MI 496449597, IRONS, MI 49644-9597

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 28, 2017
Property Address	435 PINE LN, MARY ESTHER, FL 32569-2347
Document Number	0033060633
Book / Page	003306 / 000633
Instrument Date	Jun 23, 2017
Instrument	3144141
Transaction Type	Transfer
Record Updated	Feb 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2,345.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	435 PINE LN MARY ESTHER FL 325692347, MARY ESTHER, FL 32569-2347

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	435 PINE LN, MARY ESTHER, FL 32569-2347
Document Number	0032821697
Book / Page	003282 / 001697
Instrument Date	Dec 27, 2016
Transaction Type	Mortgage
Record Updated	Jan 19, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	435 PINE LN MARY ESTHER FL 325692347, MARY ESTHER, FL 32569-2347

Mortgage

Document Number	0032821697
Date	Jan 4, 2017
Book Page	003282/001697
Instrument	3110355

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 3, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 435 Pine Ln was $6,017 with a homeowner's exemption.

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	$6,017.00 Homeowner's exemption	$544,560	$551,194 Land $173,142 Building $378,052
2023	$1,504.00 (-6.18%) Homeowner's exemption	$161,814 (-6.01%) Land $161,814	$161,814 (-6.01%) Land $161,814
2022	$1,603.00 Homeowner's exemption	$172,156 Land $144,026 Building $28,130	$172,156 Land $144,026 Building $28,130

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 435 Pine Ln in Zone X, an area of minimal 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 minimal risk
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 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 435 Pine Ln is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within 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 323 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	2,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Spectrum.

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