1012 Hwy 98 E, Destin, FL 32541 Property Records

Okaloosa County property record for 1012 Hwy 98 E, Destin, FL 32541

Property Summary

Property Type	Retail Store
Details	8,618 sqft · built 2016
Lot Size	1.42 acres (61,850 sqft)
Owner	2 Company Names on Record
Last Sale	$6,000,000 (Dec 2021)
Tax Bill	$36,584 (2025)
Deeds & Mortgages	Dec 2021 Sale & Line of Credit Jun 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-3234-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-3234-4`
Alternative APNs	`00-2S-22-0000-0015-0000` `22S200000000150000`

Interior

Plumbing Fixtures	29 Plumbing Fixtures
Total Rooms	21 Rooms
Units	350 Units
Stories	1 Story
Building Area	8,618 sqft Gross Area
1st Floor Area	8,410 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Combination
Construction Type	Steel Frame
Fire Resistance	Fireproof Steel Frame
Roof Type	Steel Frame/Truss
Roof Material	Metal
Lot Area	61,850 sqft (1.42 acres)
Lot Dimensions	265 ft deep x 222 ft wide
Canopy	208 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1012 HIGHWAY 98 E
City	DESTIN
State	FL
Zip	32541-2902
Property Category	Commercial
Property Type	Commercial > Retail > Retail Store
Legal Description	COM NW COR OF DESTIN TOWERS CONDO S 76 DEG E 47.89 FT TO POB S 296 FT E 71.08 FT E 173. 41 FT N 155 FT N 36 DEG W 46.8 FT N 50 FT TO S R/W HWY 98 N 76 DEG W ALG R/W 222.97 FT TO POB
Legal Subdivision	DESTIN TOWERS CONDO
Legal Block	15
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1000
Census Tract	23303

Owner

Source: Okaloosa County records, as of December 31, 2025

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

Owner of Record	2 Company Names on Record
Mailing Address	PO BOX 430, EL CAMPO, TX 77437-0430
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2021	Special Warranty Deed, Transfer · Line of Credit SECURITY NATIONAL BANK OF OMAHA
Jun 19, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2021 · Amount on Record
Deed Sale	Dec 30, 2021 · Amount on Record
Prior Sale	Jun 19, 2017 · Amount on Record
Deed Document Number	20213516754
Deed Book / Page	3596 / 1570
Prior Transfer Date	Oct 30, 2015
Prior Transfer Doc	0032240958
Record Updated	Jun 8, 2026

December 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 30, 2021
Property Address	1012 HIGHWAY 98 E, DESTIN, FL 32541-2902
Document Number	0035961570
Book / Page	3596 / 1570
Instrument Date	Dec 30, 2021
Instrument	3516754
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$42,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	429 ROYAL PALM WAY, BOCA RATON, FL 33432-7945

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 1 2 N WASHINGTON STREET #8 # 8, 8, EL CAMPO, TX 77437-4429
Investor	Possibly a Property Investor

Mortgage

Document Number	0035983106
Date	Dec 30, 2021
Instrument	3598/3106

Lender

Name	SECURITY NATIONAL BANK OF OMAHA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	61 Months
Due	Jan 6, 2027

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 19, 2017
Property Address	1012 HIGHWAY 98 E, DESTIN, FL 32541-2902
Document Number	0033042648
Book / Page	003304 / 002648
Instrument Date	Jun 16, 2017
Instrument	3141940
Transaction Type	Transfer
Record Updated	Aug 4, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$36,137.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8000 N FEDERAL HWY #110 BOCA RATON FL 334871681, 110, BOCA RATON, FL 33487-1681

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 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	$36,584.00 (+9.94%)	$3,089,027 (+10.9%) Land $1,724,269 Building $1,364,758	$3,089,027 (+10.9%) Land $1,724,269 Building $1,364,758
2023	$33,275.00 (-11.2%)	$2,785,481 (-10.42%) Land $1,562,925 Building $1,222,556	$2,785,481 (-10.42%) Land $1,562,925 Building $1,222,556
2022	$37,473.00	$3,109,594 Land $1,488,500 Building $1,621,094	$3,109,594 Land $1,488,500 Building $1,621,094

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 665 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3,929 units insured incl. 3,264 condo units
Nearby Flood Claims	507 (1979–2026)
Claims Outside the SFHA	33 of 507
Most Recent Claim	May 2026 · rainfall accumulation
Claims by Event	Hurricane Dennis, Jul 2005 · 57 claims Hurricane Frances, Oct 2004 · 159 claims Hurricane Opal, Oct 1995 · 218 claims

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

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 102 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: LiveOak Fiber, Verizon.

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