1069 Emerald Bay Dr, Destin, FL 32541 Property Records

Okaloosa County property record for 1069 Emerald Bay Dr, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,625 sqft · built 1995
Lot Size	0.495 acres (21,556 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,504 (2025)
Deeds & Mortgages	Feb 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-4239-2`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-4239-2`
Alternative APNs	`00-2S-22-018A-000C-0020` `22S200018A000C0020`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,625 sqft Living Area
Gross Area	4,053 sqft
1st Floor Area	2,625 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	21,556 sqft (0.495 acres)
Garage Type	Attached
Garage Area	650 sqft
Porch	Slab
Porch Area	778 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1069 EMERALD BAY DR
City	DESTIN
State	FL
Zip	32541-3784
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BAYWINDS GOLF EST PH I LOT 2 BLK C
Legal Subdivision	BAYWINDS GOLF EST
Legal Phase	1
Legal Block	C
Legal Lot Number	2
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2001
Census Tract	23308

Owner

Source: Okaloosa County records, as of March 6, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1069 EMERALD BAY DR, DESTIN, FL 32541-3784
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 31, 2022
Transfer Doc	0036034646
Record Updated	Sep 20, 2026

February 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 10, 2022
Property Address	1069 EMERALD BAY DR, DESTIN, FL 32541-3784
Document Number	0036034646
Book / Page	3603 / 4646
Map Reference	MB 12 PG 92
Instrument Date	Jan 31, 2022
Instrument	3526130
Transaction Type	Transfer
Record Updated	Mar 9, 2022
Title Company	BURKE LAW AND TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12671 US HIGHWAY 98 W # W209, 12671, MIRAMAR BEACH, FL 32550-8300

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1069 EMERALD BAY DR, DESTIN, FL 32541-3784

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,504.00 (-6.75%)	$661,070 (-5.33%) Land $163,225 Building $497,845	$661,070 (-5.33%) Land $163,225 Building $497,845
2023	$6,975.00 (+0.77%) Homeowner's exemption Widower's exemption	$698,276 (+8.29%) Land $148,103 Building $550,173	$698,276 (+8.29%) Land $148,103 Building $550,173
2022	$6,922.00	$644,823 Land $134,639 Building $510,184	$644,823 Land $134,639 Building $510,184

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (1995–2018)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2018 · other causes

Coastal Barrier Resources

Source: USFWS Coastal Barrier Resources System, as of December 19, 2024

Coastal Barrier Resources System	Yes
Unit	P32 “Moreno Point”
Unit Type	System Unit
Designated	Oct 18, 1982
NFIP Eligibility	Not eligible (built 1995) built after the Oct 1, 1983 cutoff · private flood insurance only

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	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOUTH WALTON UTILITY COMPANY private · serves 26,668 people · EPA ID FL1660615
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	3 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 221 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Wildstar Networks.

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