10 Commerce Dr, Destin, FL 32541 Property Records

Okaloosa County property record for 10 Commerce Dr, Destin, FL 32541

Property Summary

Property Type	Office Building
Details	4,200 sqft · built 1986
Lot Size	0.238 acres (10,399 sqft)
Owner	Owner Name on File
Last Sale	$279,000 (Jun 2013)
Tax Bill	$3,180 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-6481-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-6481-8`
Alternative APN	`00-2S-22-0626-0000-0100`

Interior

Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	15 Rooms
Stories	1 Story
Building Area	4,200 sqft Total Area
1st Floor Area	3,150 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1996
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	10,399 sqft (0.238 acres)
Lot Width	80 ft Width

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	10 COMMERCE DR
City	DESTIN
State	FL
Zip	32541-7362
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Legal Description	DESTIN COMMERCE PARK LOT 10 & E10 FT LOT 11
Legal Range	22
Legal Township	02S
Legal Subdivision	DESTIN COMMERCE PARK
Legal Lot Number	10
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2003
Census Tract	23307

Owner

Source: Okaloosa County assessment roll, as of July 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on File
Mailing Address	402 BEACH DR, DESTIN, FL 32541-2408

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2018	Deed of Trust, Mortgage · Commercial Mortgage UNION STATE BANK
Jul 12, 2019	Deed of Trust, Mortgage GULF COAST BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 19, 2013 · Amount on Record
Deed Sale	Jun 19, 2013 · Amount on Record
Prior Sale	May 26, 2005 · Amount on Record
Deed Document Number	2862635
Deed Book / Page	3101 / 3890
Record Updated	Jun 8, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	10 COMMERCE DR, DESTIN, FL 32541-7362
Transaction Type	Mortgage
Record Updated	Apr 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033353546
Date	Feb 1, 2018
Book Page	3335/3546
Instrument	3186271

Lender

Name	UNION STATE BANK
Type	Bank
Address	PELL CITY, AL 35125

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	10 COMMERCE DR, DESTIN, FL 32541-7362
Document Number	0034093264
Instrument Date	Jul 12, 2019
Transaction Type	Mortgage
Record Updated	Aug 1, 2019
Title Company	MCNEESE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10 COMMERCE DR DESTIN FL 325417362, DESTIN, FL 32541-7362

Mortgage

Document Number	0034093264
Date	Jul 18, 2019
Book Page	003409/003264
Instrument	3292171

Lender

Name	GULF COAST BK
Type	Bank
Address	1825 VETERANS MEMORIAL BLVD # 3RD, METAIRIE, LA 70005-2637

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jul 17, 2039

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Municipality	Destin City
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,180.00 (+1.24%)	$270,362 (+2.81%) Land $49,291 Building $221,071	$270,362 (+2.81%) Land $49,291 Building $221,071
2023	$3,141.00 (-0.66%)	$262,973 (+0.22%) Land $46,483 Building $216,490	$262,973 (+0.22%) Land $46,483 Building $216,490
2022	$3,162.00	$262,407 Land $44,299 Building $218,108	$262,407 Land $44,299 Building $218,108

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

Flood

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 Record median of 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 in force

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

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

Wildfire Risk	Not rated no burnable land within ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DESTIN WATER USERS, INC. private · serves 31,752 people · EPA ID FL1460202
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	2 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 139 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Starlink Satellite	280 / 30
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: LiveOak Fiber, T-Mobile USA, Verizon.

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