Okaloosa County property record for 101 Forest St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,276 sqft · built 1993 |
| Lot Size | 0.203 acres (8,850 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $650,000 (Apr 2022) |
| Tax Bill | $5,438 (2025) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-2491-9 |
| Primary APN | C56-000-590-2491-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,276 sqft Heated Area |
| Gross Area | 2,985 sqft |
| 1st Floor Area | 1,628 sqft |
| Upper Floors Area | 648 sqft |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 8,850 sqft (0.203 acres) |
| Garage Type | Finished |
| Garage Area | 504 sqft |
| Porch | Open Porch |
| Porch Area | 205 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 101 FOREST ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1542 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIDGE WOOD MANOR LOT 3 BLK A |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | RIDGE WOOD MANOR |
| Legal Block | A |
| Legal Lot Number | 3 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 23306 |
Source: Okaloosa County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 101 FOREST ST, DESTIN, FL 32541-1542 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 25, 2022 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Nov 2, 2020 | Deed of Trust, Mortgage · VA Mortgage TRIDENT HOME LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 25, 2022 · Amount on Record |
| Deed Sale | Apr 25, 2022 · Amount on Record |
| Prior Sale | Dec 28, 2016 · Amount on Record |
| Deed Document Number | 3544971 |
| Deed Book / Page | 3618 / 968 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Apr 25, 2022 |
| Property Address | 101 FOREST ST, DESTIN, FL 32541-1542 |
| Document Number | 0036180968 |
| Book / Page | 3618 / 968 |
| Map Reference | MB 12 PG 69 |
| Instrument Date | Apr 22, 2022 |
| Instrument | 3544971 |
| Transaction Type | Transfer |
| Record Updated | May 26, 2022 |
| Title Company | CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,550.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 24230 E MORAINE PL, 24230, AURORA, CO 80016-1374 |
| Name | Verified Name |
|---|---|
| Address | 101 FOREST ST, DESTIN, FL 32541-1542 |
| Document Number | 0003618970 |
|---|---|
| Date | Apr 25, 2022 |
| Instrument | 3618/970 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 101 FOREST ST, DESTIN, FL 32541-1542 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 101 FOREST ST, DESTIN, FL 32541-1542 |
| Document Number | 0035024268 |
|---|---|
| Date | Nov 2, 2020 |
| Book Page | 3502/4268 |
| Instrument | 3404072 |
| Name | TRIDENT HOME LOANS |
|---|---|
| Type | Mortgage Company |
| Address | PENSACOLA, FL 32501 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2050 |
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 | $5,438.00 (-7.44%) Homeowner's exemption | $498,265 (+1.32%) Land $106,875 Building $391,390 | $498,265 (+1.32%) Land $106,875 Building $391,390 |
| 2023 | $5,875.00 (+85.74%) | $491,792 (+63.41%) Land $96,973 Building $394,819 | $491,792 (+9.39%) Land $96,973 Building $394,819 |
| 2022 | $3,163.00 Homeowner's exemption | $300,960 | $449,589 Land $88,157 Building $361,432 |
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.
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 76 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 136 units insured incl. 60 condo units |
| Nearby Flood Claims | 95 (1994–2020) |
| Claims Outside the SFHA | 64 of 95 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| 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.
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 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, Verizon.
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