Okaloosa County property record for 10 Moreno Point Rd, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,100 sqft · built 1972 |
| Lot Size | 0.391 acres (17,011 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $4,217 (2025) |
| Deeds & Mortgages | May 2026 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | C56-000-590-9401-1 |
| Primary APN | C56-000-590-9401-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,100 sqft Living Area |
| Gross Area | 3,181 sqft |
| 1st Floor Area | 1,050 sqft |
| Upper Floors Area | 1,050 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 17,011 sqft (0.391 acres) |
| Lot Width | 60 ft Width |
| Garage Area | 385 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 647 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 10 MORENO POINT RD |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3175 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOLIDAY ISLE LOT 10 BLK C |
| Legal Subdivision | HOLIDAY ISLE |
| Legal Block | C |
| Legal Lot Number | 10 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 23303 |
10 Moreno Point Rd is owned by a company that acquired it in May 2026 and is owner-occupied.
Source: Okaloosa County records, as of June 12, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 10 MORENO POINT RD, DESTIN, FL 32541-3175 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Tenant |
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 Transfer Date | May 27, 2026 |
| Transfer Doc | 0003819002 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | May 27, 2026 |
| Property Address | 10 MORENO POINT RD, DESTIN, FL 32541-3175 |
| Document Number | 0003819002 |
| Instrument Date | May 27, 2026 |
| Instrument | 20263819002 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant |
| Address | 10 MORENO POINT RD, DESTIN, FL 32541-3175 |
The 2025 property tax bill for 10 Moreno Point Rd was $4,217 with a homeowner's exemption.
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Destin City |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,217.00 Homeowner's exemption | $395,177 | $887,549 Land $673,873 Building $213,676 |
| 2023 | $3,954.00 (+2.41%) Homeowner's exemption | $369,588 (+3%) | $856,836 (+29.08%) Land $647,955 Building $208,881 |
| 2022 | $3,861.00 Homeowner's exemption | $358,823 | $663,828 Land $467,499 Building $196,329 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10 Moreno Point Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 422 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1,500 units insured incl. 1,078 condo units |
| Nearby Flood Claims | 819 (1980–2024) |
| Claims Outside the SFHA | 261 of 819 |
| Most Recent Claim | Aug 2024 · Hurricane Debby |
| 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.
The area around 10 Moreno Point Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land 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 | 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 |
| 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 164 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 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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