Okaloosa County property record for 10 Pine Ridge Trce, Destin, FL 32541
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 2 ba · 1,261 sqft · built 1984 |
| Lot Size | 0.05 acres (2,199 sqft) |
| Owner | Individual Name on File |
| Last Sale | $68,000 (Dec 2013) |
| Tax Bill | $723 (2025) |
| Deeds & Mortgages | May 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-0762-5 |
| Primary APN | C56-000-590-0762-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,261 sqft Heated Area |
| Gross Area | 1,417 sqft |
| 1st Floor Area | 602 sqft |
| Upper Floors Area | 659 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1984 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Roof Type | Wood Truss |
| Roof Material | Wood |
| Lot Area | 2,199 sqft (0.05 acres) |
| Porch | Open Porch |
| Porch Area | 12 sqft |
| Patio Area | 132 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 10 PINE RIDGE TRCE |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2091 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | PINE RIDGE TRACE UNIT 10 TOGETHER W/ ADJ AREA VACATED EPA AS PER ORD 24-16-CN #3747485 |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | PINE RIDGE TRACE |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 23305 |
10 Pine Ridge Trce, a townhouse, is owned and occupied by an individual who bought it in December 2013.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10 PINE RIDGE TRCE, DESTIN, FL 32541-2091 |
| 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 | Name on Deed |
|---|---|
| Last Sale | Dec 27, 2013 · Amount on File |
| Deed Sale | Dec 27, 2013 · Amount on File |
| Deed Document Number | 2902702 |
| Deed Book / Page | 3131 / 0367 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 10 PINE RIDGE TRCE, DESTIN, FL 32541-2091 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 10 PINE RIDGE TRCE, DESTIN, FL 32541-2091 |
| Document Number | 0036750837 |
|---|---|
| Date | May 16, 2023 |
| Book Page | 3675/837 |
| Instrument | 3623911 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92107 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
The 2025 property tax bill for 10 Pine Ridge Trce was $723 with a homeowner's exemption.
Source: Okaloosa County assessment roll, as of July 1, 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 | $723.00 Homeowner's exemption | $100,156 | $213,562 Land $70,000 Building $143,562 |
| 2023 | $668.00 (+4.05%) Homeowner's exemption | $94,498 (+3%) | $216,117 (+24.69%) Land $70,000 Building $146,117 |
| 2022 | $642.00 Homeowner's exemption | $91,746 | $173,328 Land $55,000 Building $118,328 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10 Pine Ridge Trce in Zone X, an area of minimal flood risk, though there have been 65 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 156 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 258 units insured incl. 102 condo units |
| Nearby Flood Claims | 65 (1991–2021) |
| Claims Outside the SFHA | 43 of 65 |
| Most Recent Claim | Jun 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 10 Pine Ridge Trce is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 220 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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