Okaloosa County property record for 14 Pine Ridge Trce, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,261 sqft · built 1985 |
| Lot Size | 0.051 acres (2,199 sqft) |
| Owner | Individual Name on File |
| Last Sale | $295,000 (Apr 2026) |
| Tax Bill | $702 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-0766-6 |
| Primary APN | C56-000-590-0766-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,261 sqft Living Area |
| Gross Area | 1,417 sqft |
| 1st Floor Area | 602 sqft |
| Upper Floors Area | 659 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| 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 | 12 sqft |
| Patio Area | 132 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 14 PINE RIDGE TRCE |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2093 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINE RIDGE TRACE UNIT 14 TOGETHER W/ ADJ AREA VACATED EPA AS PER ORD 24-16-CN #3747485 |
| Legal Subdivision | PINE RIDGE TRACE |
| Legal Lot Number | 140 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 23305 |
14 Pine Ridge Trce is owned and occupied by an individual who bought it in April 2026.
Source: Okaloosa County records, as of April 30, 2026
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 | Individual Name on File |
|---|---|
| Mailing Address | 263 TEQUESTA DR, DESTIN, FL 32541-4762 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Apr 17, 2026 | Warranty Deed, Transfer · Conventional Mortgage COMMUNITY BANK OF MISSISSIPPI |
| Aug 18, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage REGIONS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 17, 2026 · Amount on File |
| Deed Sale | Apr 17, 2026 · Amount on File |
| Prior Sale | Jan 28, 2002 · Amount on File |
| Deed Document Number | 20263811174 |
| Prior Transfer Date | Aug 12, 2021 |
| Prior Transfer Doc | 0035674159 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Apr 17, 2026 |
| Property Address | 14 PINE RIDGE TRCE, DESTIN, FL 32541-2093 |
| Document Number | 0003811174 |
| Instrument Date | Apr 14, 2026 |
| Instrument | 2026.3811174 |
| Transaction Type | Transfer |
| Record Updated | May 1, 2026 |
| Title Company | SETCO SERVICES LLC, SETCO SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $208,565.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 263 TEQUESTA DR, DESTIN, FL 32541-4762 |
| Document Number | 0003811175, |
|---|---|
| Date | Apr 17, 2026 |
| Instrument | 2026.3811175 |
| Name | COMMUNITY BANK OF MISSISSIPPI |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Number | 0003811669, |
|---|---|
| Date | Apr 21, 2026 |
| Instrument | 2026.3811669 |
| Name | OAKLOOSA COUNTY TEACHERS FEDERAL CREDIT UNION |
|---|
| Amount | Amount on Record |
|---|
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Aug 18, 2021 |
| Property Address | 14 PINE RIDGE TRCE, DESTIN, FL 32541-2093 |
| Document Number | 0035674159 |
| Book / Page | 3567 / 4159 |
| Map Reference | MB 7 PG 60&61 |
| Instrument Date | Aug 12, 2021 |
| Instrument | 3481216 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2021 |
| Title Company | AQUA TITLE SERVICES |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14 PINE RIDGE TRCE, DESTIN, FL 32541-2093 |
| Document Number | 35674161 |
|---|---|
| Date | Aug 18, 2021 |
| Instrument | 3567/4161 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
The 2025 property tax bill for 14 Pine Ridge Trce was $702 with a homeowner's exemption.
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 | $702.00 Homeowner's exemption | $98,333 | $210,184 Land $70,000 Building $140,184 |
| 2023 | $647.00 (+4.02%) Homeowner's exemption | $92,779 (+3%) | $215,746 (+24.69%) Land $70,000 Building $145,746 |
| 2022 | $622.00 Homeowner's exemption | $90,077 | $173,023 Land $55,000 Building $118,023 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 14 Pine Ridge Trce in Zone X, an area of minimal flood risk, though there have been 65 flood claims nearby since 1991.
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 156 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 258 units insured incl. 102 condo units |
| Nearby Flood Claims | 65 (1991–2021) |
| Claims Outside the SFHA | 43 of 65 |
| Most Recent Claim | Jun 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 14 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures