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446 Bridgewater Ct, Mary Esther, FL 32569 Property Records

Okaloosa County property record for 446 Bridgewater Ct, Mary Esther, FL 32569

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,272 sqft · built 1999
Lot Size0.121 acres (5,287 sqft)
OwnerIndividual Name on File
Last Sale$262,000 (Aug 2021)
Tax Bill$2,087 (2025)
Deeds & MortgagesAug 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNC56-000-595-1827-4

Property Details

APN / Parcel Number

Primary APNC56-000-595-1827-4
Alternative APNs
  • 16-2S-25-0270-0000-0380
  • 25S216027000000380

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,272 sqft Living Area
Gross Area1,846 sqft
1st Floor Area752 sqft
Upper Floors Area520 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 1999
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialWood
Lot Area5,287 sqft (0.121 acres)
Garage TypeAttached
Garage Area440 sqft
PorchFinished/Open Porch
Porch Area24 sqft
Patio Area110 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address446 BRIDGEWATER CT
CityMARY ESTHER
StateFL
Zip32569-2138
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBRIDGEWATER S/D LOT 38
Legal Range25W
Legal Township02S
Legal Section16
Legal SubdivisionBRIDGEWATER S/D
Legal Lot Number38
JurisdictionOKALOOSA FL
Township / Civil DivisionFORT WALTON BEACH
Census Block Group2
Census Block2018
Census Tract23100

Owner

446 Bridgewater Ct is owned and occupied by an individual who bought it in August 2021.

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

Owner of RecordIndividual Name on File
Mailing Address446 BRIDGEWATER CT, MARY ESTHER, FL 32569-2138
OccupancyOwner Occupied
Owner TypeIndividual

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 NamesName on Deed
Last SaleAug 19, 2021 · Amount on File
Deed SaleAug 19, 2021 · Amount on File
Prior SaleFeb 6, 2006 · Amount on File
Deed Document Number20213481723
Deed Book / Page3568 / 1085
Prior Transfer DateJan 31, 2006
Prior Transfer Doc0026850541
Record UpdatedJun 8, 2026

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateAug 19, 2021
Property Address446 BRIDGEWATER CT, MARY ESTHER, FL 32569-2138
Document Number0035681085
Book / Page3568 / 1085
Map ReferenceMB 14 PG 66
Instrument DateAug 19, 2021
Instrument3481723
Transaction TypeTransfer
Record UpdatedSep 16, 2021
Title CompanyALLURE TITLE COMPANY

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,834.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address69 STOWE RD, 69, MARY ESTHER, FL 32569-2149

Transferred To (Grantee/Buyer)

NameVerified Name
Address1005 HIGH GROVE CT, FORT WALTON BEACH, FL 32547-4215

Mortgage

Document Number35681087
DateAug 19, 2021
Instrument3568/1087
Lender
NameUNIVERSITY LENDING GROUP LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 446 Bridgewater Ct was $2,087 with a homeowner's exemption.

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,087.00 Homeowner's exemption$214,468$223,413 Land $76,227 Building $147,186
2023$2,000.00 (+5.6%) Homeowner's exemption$202,353 (+3%)$209,016 (+6.39%) Land $51,104 Building $157,912
2022$1,894.00 Homeowner's exemption$196,459 Land $47,760 Building $148,699$196,459 Land $47,760 Building $148,699

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

Flood

FEMA maps place 446 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 259 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies259 in force
Nearby Flood Claims287 (1991–2021)
Claims Outside the SFHA104 of 287
Most Recent ClaimJul 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 446 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 RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.06% annual chance
ExposureIndirect
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 SystemOKALOOSA CO.WTR.; SWR.SYSTEM
serves 80,295 people · EPA ID FL1460506
Water SourceGroundwater
Last State InspectionApr 2023
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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