Okaloosa County property record for 438 Bridgewater Ct, Mary Esther, FL 32569
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,303 sqft · built 1994 |
| Lot Size | 0.121 acres (5,287 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,007 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-595-1823-3 |
| Primary APN | C56-000-595-1823-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,303 sqft Living Area |
| Gross Area | 1,888 sqft |
| 1st Floor Area | 885 sqft |
| Upper Floors Area | 418 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 5,287 sqft (0.121 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 144 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 438 BRIDGEWATER CT |
|---|---|
| City | MARY ESTHER |
| State | FL |
| Zip | 32569-2138 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BRIDGEWATER S/D LOT 34 |
| Legal Range | 25W |
| Legal Township | 02S |
| Legal Section | 16 |
| Legal Subdivision | BRIDGEWATER S/D |
| Legal Lot Number | 34 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 23100 |
438 Bridgewater Ct is owned and occupied by two individuals.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 438 BRIDGEWATER CT, MARY ESTHER, FL 32569-2138 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 438 Bridgewater Ct was $1,007 with a homeowner's exemption.
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,007.00 Homeowner's exemption | $123,759 | $226,651 Land $76,227 Building $150,424 |
| 2023 | $953.00 (+6.12%) Homeowner's exemption | $116,768 (+3%) | $212,401 (+6.35%) Land $51,104 Building $161,297 |
| 2022 | $898.00 Homeowner's exemption | $113,367 | $199,723 Land $47,760 Building $151,963 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 438 Bridgewater Ct in Zone X, an area of minimal flood risk, though there have been 287 flood claims nearby since 1991.
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 |
|---|---|
| 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 |
|
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 risk around 438 Bridgewater Ct is moderate, ranking above 45% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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