Okaloosa County property record for 1063 Hwy 98 E, Destin, FL 32541
| Property Type | Fast Food Restaurant |
|---|---|
| Details | 5,232 sqft · built 1996 |
| Lot Size | 1.22 acres (53,302 sqft) |
| Owner | Company Name on File |
| Last Sale | $2,555,555 (Jan 2026) |
| Tax Bill | $17,118 (2025) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-3245-0 |
| Primary APN | C56-000-589-3245-0 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 14 Plumbing Fixtures |
|---|---|
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 5,232 sqft Total Area |
| 1st Floor Area | 3,092 sqft |
| Interior Walls | Custom/Decorative |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stucco |
| Construction Type | Steel Frame |
| Fire Resistance | Fireproof Steel Frame |
| Roof Type | Steel Frame/Truss |
| Roof Material | Built-Up Asphalt |
| Lot Area | 53,302 sqft (1.22 acres) |
| Lot Dimensions | 301 ft deep x 177 ft wide |
| Patio Area | 1,288 sqft |
| Fence | Fence |
| Canopy | 128 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Forced Air |
| Street Address | 1063 HIGHWAY 98 E |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2901 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Fast Food Restaurant |
| Legal Description | COM AT A PT ON S SIDE HWY 4100 FT E OF EAST PASS ADD NLY 150 FT TO N R/W WLY ALG R/W 463FT TO POB N12 DEG E 1254.88FT TO S R/ |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | EAST PASS ADD |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 23305 |
1063 Hwy 98 E, a commercial property, is owned by a company that bought it in January 2026 and is owner-occupied.
Source: Okaloosa County records, as of January 27, 2026
| Owner of Record | Company Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 106 TIERRA VERDE TRL, PANAMA CITY BEACH, FL 32407-3809 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
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 Sale | Jan 7, 2026 · Amount on File |
| Deed Sale | Jan 7, 2026 · Amount on File |
| Deed Document Number | 3791914 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jan 7, 2026 |
| Property Address | 1063 HIGHWAY 98 E, DESTIN, FL 32541-2901 |
| Document Number | 0003791914 |
| Instrument Date | Dec 17, 2025 |
| Instrument | 3791914 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $17,889.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5200 BUFFINGTON RD, ATLANTA, GA 30349-2945 |
| Name | Verified Name |
|---|---|
| Address | 106 TIERRA VERDE TRL, PANAMA CITY BEACH, FL 32407-3809 |
| Document Number | 0003791916 |
|---|---|
| Date | Jan 7, 2026 |
| Instrument | 3791916 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 1063 Hwy 98 E was $17,118.
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 | $17,118.00 | $1,713,683 Land $1,281,473 Building $432,210 | $1,713,683 Land $1,281,473 Building $432,210 |
| 2023 | $15,547.00 (+5.35%) | $1,645,493 (+4.15%) Land $1,208,025 Building $437,468 | $1,645,493 (+4.15%) Land $1,208,025 Building $437,468 |
| 2022 | $14,757.00 | $1,579,895 Land $1,150,500 Building $429,395 | $1,579,895 Land $1,150,500 Building $429,395 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1063 Hwy 98 E in Zone X, an area of minimal flood risk, though there have been 29 flood claims nearby since 1995.
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 100 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 100 in force |
| Nearby Flood Claims | 29 (1995–2021) |
| Claims Outside the SFHA | 25 of 29 |
| Most Recent Claim | Apr 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.
The area around 1063 Hwy 98 E 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 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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