138 Timber Ct, Destin, FL 32541 Property Records

Okaloosa County property record for 138 Timber Ct, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,161 sqft · built 1984
Lot Size	0.051 acres (2,199 sqft)
Owner	Individual Name on Record
Last Sale	$252,500 (Jul 2022)
Tax Bill	$2,351 (2025)
Deeds & Mortgages	May 2026 Mortgage Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-590-0809-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-590-0809-4`
Alternative APNs	`00-2S-22-2077-0000-1380` `22S200207700001380`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,161 sqft Living Area
Gross Area	1,233 sqft
1st Floor Area	568 sqft
Upper Floors Area	556 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Townhouse
Exterior Material	Wood
Roof Type	Flat
Roof Material	Wood
Lot Area	2,199 sqft (0.051 acres)
Porch	Finished/Open Porch
Porch Area	56 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	138 TIMBER CT
City	DESTIN
State	FL
Zip	32541-2031
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINE RIDGE TRACE UNIT 138
Legal Subdivision	PINE RIDGE TRACE
Legal Lot Number	1380
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2000
Census Tract	23305

Owner

Source: Okaloosa County records, as of June 12, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	138 TIMBER CT, DESTIN, FL 32541-2031
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage HOMEXPRESS MORTGAGE CORPORATION
Jul 29, 2022	Warranty Deed, Transfer · Conventional Mortgage NATIONS DIRECT MORTGAGE LLC
Jul 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2022 · Amount on Record
Deed Sale	Jul 29, 2022 · Amount on Record
Prior Sale	Jul 13, 2016 · Amount on Record
Deed Document Number	20223567946
Deed Book / Page	3635 / 706
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Recording Date	May 26, 2026
Property Address	138 TIMBER CT, DESTIN, FL 32541-2031
Document Number	0003818742
Instrument Date	May 22, 2026
Instrument	20263818742
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	241 ELLIS RD, 1, MIRAMAR BEACH, FL 32550-3861

Mortgage

Document Number	0003818742,
Date	May 26, 2026
Instrument	20263818742

Lender

Name	HOMEXPRESS MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 29, 2022
Property Address	138 TIMBER CT, DESTIN, FL 32541-2031
Document Number	0036350706
Book / Page	3635 / 706
Map Reference	MB 7 PG 60&61
Instrument Date	Jul 25, 2022
Instrument	3567946
Transaction Type	Transfer
Record Updated	Aug 22, 2022
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,767.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3622 VILLAMORE LN, 3622, ODESSA, FL 33556-4193

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 TIMBER CT, DESTIN, FL 32541-2031

Mortgage

Document Number	0003635708
Date	Jul 29, 2022
Instrument	3635/708

Lender

Name	NATIONS DIRECT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	138 TIMBER CT, DESTIN, FL 32541-2031
Transaction Type	Mortgage
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3622 VILLAMORE LN, ODESSA, FL 33556-4193

Mortgage

Document Number	0035611462
Date	Jul 20, 2021
Book Page	3561/1462
Instrument	3473048

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	May 1, 2051

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	$2,351.00 (-4.89%)	$198,574 (-4.06%) Land $70,000 Building $128,574	$198,574 (-4.06%) Land $70,000 Building $128,574
2023	$2,472.00 (+31.21%)	$206,986 (+25.79%) Land $70,000 Building $136,986	$206,986 (+25.79%) Land $70,000 Building $136,986
2022	$1,884.00	$164,548 Land $55,000 Building $109,548	$164,548 Land $55,000 Building $109,548

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Hurricane Dennis, Jul 2005 · 5 claims Hurricane Frances, Sep 2004 · 7 claims Hurricane Georges, Sep 1998 · 7 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	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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	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 317 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

May also be available: T-Mobile.

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