Okaloosa County property record for 451 Bridgewater Ct, Mary Esther, FL 32569
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,340 sqft · built 1999 |
| Lot Size | 0.238 acres (10,397 sqft) |
| Owner | Individual Name on File |
| Last Sale | $310,000 (Mar 2024) |
| Tax Bill | $2,411 (2025) |
| Deeds & Mortgages | Mar 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-595-1790-4 |
| Primary APN | C56-000-595-1790-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,340 sqft Heated Area |
| Gross Area | 1,804 sqft |
| 1st Floor Area | 820 sqft |
| Upper Floors Area | 520 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 10,397 sqft (0.238 acres) |
| Garage Type | Finished |
| Garage Area | 440 sqft |
| Porch | Open Porch |
| Porch Area | 24 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 451 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 1 |
| Legal Range | 25 |
| Legal Township | 02S |
| Legal Section | 16 |
| Legal Subdivision | BRIDGEWATER S/D |
| Legal Lot Number | 1 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 23100 |
451 Bridgewater Ct is owned and occupied by an individual who bought it in March 2024.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 451 BRIDGEWATER CT, MARY ESTHER, FL 32569-2139 |
| 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 |
|---|---|
| Last Sale | Mar 11, 2024 · Amount on File |
| Deed Sale | Mar 11, 2024 · Amount on File |
| Prior Sale | Sep 15, 2016 · Amount on File |
| Deed Document Number | 3675571 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Mar 11, 2024 |
| Property Address | 451 BRIDGEWATER CT, MARY ESTHER, FL 32569-2139 |
| Document Number | 0003675571 |
| Map Reference | MB 14 PG 66 |
| Instrument Date | Mar 8, 2024 |
| Instrument | 3675571 |
| Transaction Type | Transfer |
| Record Updated | Apr 9, 2024 |
| Title Company | NOT AVAILABLE, CLOSING AGCY EMERALD COAST L |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,170.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2060 LONG LN, JAMISON, PA 18929-1164 |
| Name | Verified Name |
|---|---|
| Address | 451 BRIDGEWATER CT, MARY ESTHER, FL 32569-2139 |
| Document Number | 0003675572 |
|---|---|
| Date | Mar 11, 2024 |
| Instrument | 3675572 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
The 2025 property tax bill for 451 Bridgewater Ct was $2,411 with a homeowner's exemption.
Source: Okaloosa County assessment roll, as of July 1, 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 | $2,411.00 Homeowner's exemption | $241,660 Land $80,038 Building $161,622 | $241,660 Land $80,038 Building $161,622 |
| 2023 | $1,209.00 (+6.05%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $142,660 (+3%) | $224,459 (+6.39%) Land $53,659 Building $170,800 |
| 2022 | $1,140.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $138,505 | $210,976 Land $50,148 Building $160,828 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 451 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 451 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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