445 Bridgewater Ct, Mary Esther, FL 32569 Property Records

Okaloosa County property record for 445 Bridgewater Ct, Mary Esther, FL 32569

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,246 sqft · built 2000
Lot Size	0.121 acres (5,287 sqft)
Owner	Individual Name on File
Last Sale	$92,000 (Nov 2020)
Tax Bill	$2,098 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Feb 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-595-1793-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-595-1793-8`
Alternative APNs	`16-2S-25-0270-0000-0040` `25S216027000000040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,246 sqft Living Area
Gross Area	1,752 sqft
1st Floor Area	1,246 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
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	Finished/Open Porch
Porch Area	30 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	445 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 4
Legal Range	25W
Legal Township	02S
Legal Section	16
Legal Subdivision	BRIDGEWATER S/D
Legal Lot Number	4
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2018
Census Tract	23100

Owner

445 Bridgewater Ct is owned and occupied by an individual who bought it in November 2020.

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

Owner of Record	Individual Name on File
Mailing Address	421 INNSDALE TER, D, CLOVIS, NM 88101-3173
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
Sep 28, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MTG
Feb 5, 2020	Warranty Deed, Transfer · VA Mortgage INTERLINC MORTGAGE SERVICES LLC
Nov 6, 2017	Warranty Deed, Transfer · VA Mortgage INTERLINC MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2020 · Amount on File
Deed Sale	Nov 3, 2020 · Amount on File
Prior Sale	Feb 5, 2020 · Amount on File
Deed Document Number	20203404510
Deed Book / Page	3503 / 1178
Prior Transfer Date	Jun 5, 2007
Prior Transfer Doc	0027893883
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	445 BRIDGEWATER CT, MARY ESTHER, FL 32569-2139
Document Number	0035031570
Instrument Date	Sep 28, 2020
Transaction Type	Mortgage
Record Updated	Nov 20, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 BRIDGEWATER CT MARY ESTHER FL 325692139, MARY ESTHER, FL 32569-2139

Mortgage

Document Number	0035031570
Date	Nov 4, 2020
Book Page	003503/001570
Instrument	3404612

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 5, 2020
Property Address	445 BRIDGEWATER CT, MARY ESTHER, FL 32569-2139
Document Number	0034421674
Book / Page	3442 / 1674
Map Reference	MB 14 PG 66
Instrument Date	Jan 30, 2020
Instrument	3335117
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,372.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1636 TRUCKEE LN, 1636, STOCKTON, CA 95206-4691

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 BRIDGEWATER CT, MARY ESTHER, FL 32569-2139

Mortgage

Document Number	0034421676
Date	Feb 5, 2020
Instrument	3442/1676

Lender

Name	INTERLINC MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2050

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 6, 2017
Property Address	445 BRIDGEWATER CT, MARY ESTHER, FL 32569-2139
Document Number	0033250025
Book / Page	3325 / 0025
Map Reference	MB14 PG66
Instrument Date	Oct 30, 2017
Instrument	3170897
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,197.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	770 SUNDIAL CT, 770, FORT WALTON BEACH, FL 32548-6708

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 BRIDGEWATER CT, MARY ESTHER, FL 32569-2139

Mortgage

Document Number	0003170899
Date	Nov 6, 2017
Instrument	3170899

Lender

Name	INTERLINC MORTGAGE INC
Type	Lending Institution

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 445 Bridgewater Ct was $2,098 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	$2,098.00 Homeowner's exemption	$215,421	$222,832 Land $76,227 Building $146,605
2023	$2,011.00 (+5.56%) Homeowner's exemption	$203,252 (+3%)	$210,031 (+6.44%) Land $51,104 Building $158,927
2022	$1,905.00 Homeowner's exemption	$197,332 Land $47,760 Building $149,572	$197,332 Land $47,760 Building $149,572

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

Flood

FEMA maps place 445 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	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 445 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.

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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