Okaloosa County property record for 127 Pine Ridge Trce, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,239 sqft · built 1984 |
| Lot Size | 0.058 acres (2,540 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $125,000 (Jan 2018) |
| Tax Bill | $2,337 (2025) |
| Deeds & Mortgages | Jan 2021 Sale & Mortgage Jan 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-0798-9 |
| Primary APN | C56-000-590-0798-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,239 sqft Living Area |
| Gross Area | 1,391 sqft |
| 1st Floor Area | 631 sqft |
| Upper Floors Area | 659 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Townhouse |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Flat |
| Roof Material | Wood |
| Lot Area | 2,540 sqft (0.058 acres) |
| Porch | Finished/Open Porch |
| Porch Area | 12 sqft |
| Patio Area | 132 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 127 PINE RIDGE TRCE |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2051 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINE RIDGE TRACE UNIT 127 |
| Legal Subdivision | PINE RIDGE TRACE |
| Legal Lot Number | 1270 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 23305 |
127 Pine Ridge Trce is owned by two individuals who bought it in January 2018.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 246 REARDEN WAY, SANTA ROSA BEACH, FL 32459-2609 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 11, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE LLC |
| Jan 18, 2018 | Warranty Deed, Transfer THOMAS F WERNER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 18, 2018 · Amount on File |
| Deed Sale | Jan 18, 2018 · Amount on File |
| Prior Sale | Dec 27, 2011 · Amount on File |
| Deed Document Number | 20183183220 |
| Deed Book / Page | 3333 / 3691 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jan 11, 2021 |
| Property Address | 127 PINE RIDGE TRCE, DESTIN, FL 32541-2051 |
| Document Number | 0035172523 |
| Book / Page | 3517 / 2523 |
| Map Reference | MB 7 PG 60&61 |
| Instrument Date | Jan 7, 2021 |
| Instrument | 3420876 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,540.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1027 W CHOCTAWHATCHEE DR, 1027, NICEVILLE, FL 32578-4710 |
| Name | Verified Name |
|---|---|
| Address | 127 PINE RIDGE TRCE, DESTIN, FL 32541-2051 |
| Document Number | 0035172525 |
|---|---|
| Date | Jan 11, 2021 |
| Instrument | 3517/2525 |
| Name | UNITED WHOLESALE MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jan 18, 2018 |
| Property Address | 127 PINE RIDGE TRCE, DESTIN, FL 32541-2051 |
| Document Number | 0033333691 |
| Book / Page | 003333 / 003691 |
| Instrument Date | Jan 12, 2018 |
| Instrument | 3183220 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2018 |
| Title Company | FIRST NATIONAL LAND TITLE COMPANY INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $875.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 127 PINE RIDGE TRCE DESTIN FL 325412051, DESTIN, FL 32541-2051 |
| Document Number | 33333692 |
|---|---|
| Date | Jan 18, 2018 |
| Book Page | 003333/003692 |
| Instrument | 3183221 |
| Name | THOMAS F WERNER |
|---|---|
| Address | 1027 W CHOCTAWHATCHEE DR, NICEVILLE, FL 32578-4710 |
| Special Notes | Seller Financed |
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 127 Pine Ridge Trce was $2,337.
Source: Okaloosa County assessment roll, as of December 31, 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 | $2,337.00 | $197,368 Land $70,000 Building $127,368 | $197,368 Land $70,000 Building $127,368 |
| 2023 | $2,284.00 (+15.7%) | $204,301 (+24.72%) Land $70,000 Building $134,301 | $204,301 (+24.72%) Land $70,000 Building $134,301 |
| 2022 | $1,974.00 | $163,813 Land $55,000 Building $108,813 | $163,813 Land $55,000 Building $108,813 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 127 Pine Ridge Trce 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.
Wildfire risk around 127 Pine Ridge Trce is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 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.
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 220 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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