Okaloosa County property record for 1044 Hwy 98 E, Destin, FL 32541
| Property Type | Common Area (Residential) |
|---|---|
| Details | 200 sqft · built 1983 |
| Lot Size | 3.48 acres (151,711 sqft) |
| Owner | Owner Name on Record |
| Deeds & Mortgages | Oct 2021 Line of Credit |
| Flood Zone | Zone AO (high risk) |
| APN | C56-000-589-7735-6 |
| Primary APN | C56-000-589-7735-6 |
|---|---|
| Alternative APN |
|
| Total Rooms | 1 Room |
|---|---|
| Building Area | 200 sqft Heated Area |
| Year Built | Built 1983 |
|---|---|
| Lot Area | 151,711 sqft (3.48 acres) |
| Street Address | 1044 HIGHWAY 98 E |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2950 |
| Property Category | Other |
| Property Type | Other > Common Area (Residential) |
| Legal Description | EMERALD TOWERS COMMON AREA UNIT A. FORMELY COMMERCIAL UNIT A |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | EMERALD TOWERS |
| Legal Unit | A |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 23303 |
Source: Okaloosa County records, as of December 8, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Owner Name on Record |
|---|---|
| Mailing Address | 1044 HIGHWAY 98 E, DESTIN, FL 32541-2950 |
| Occupancy | Owner Occupied |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Nov 4, 2002 |
| Transfer Doc | 0023922227 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 1044 HIGHWAY 98 E, DESTIN, FL 32541-2950 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2024 |
| Name | Verified Name |
|---|---|
| Address | 628 GREEN SPRINGS AVE S, BIRMINGHAM, AL 35205-6424 |
| Document Number | 0035832991 |
|---|---|
| Date | Oct 28, 2021 |
| Book Page | 3583/2991 |
| Instrument | 3500843 |
| Name | CENTRAL STATE BANK |
|---|---|
| Type | Bank |
| Address | CALERA, AL 35040 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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) |
Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AO high risk · sheet flow 1–3 ft |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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 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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