Okaloosa County property record for 16 Moreno Point Rd, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 7 bd · 5.5 ba · 5,510 sqft · built 1968 |
| Lot Size | 0.495 acres (21,549 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,320,000 (Oct 2019) |
| Tax Bill | $31,618 (2025) |
| Deeds & Mortgages | Oct 2019 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | C56-000-590-9404-5 |
| Primary APN | C56-000-590-9404-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 5,510 sqft Living Area |
| Gross Area | 8,800 sqft |
| 1st Floor Area | 2,883 sqft |
| Upper Floors Area | 1,555 sqft |
| Flooring | Wood |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 21,549 sqft (0.495 acres) |
| Lot Width | 70 ft Width |
| Garage Type | Attached |
| Garage Area | 1,039 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 2,161 sqft |
| Patio Area | 90 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 16 MORENO POINT RD |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3175 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOLIDAY ISLE LOT 13 BLK C |
| Legal Subdivision | HOLIDAY ISLE |
| Legal Block | C |
| Legal Lot Number | 13 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 23303 |
16 Moreno Point Rd is owned by two individuals who bought it in October 2019.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 413 CALHOUN AVE, DESTIN, FL 32541-1568 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 10, 2019 · Amount on File |
| Deed Sale | Oct 10, 2019 · Amount on File |
| Deed Document Number | 20193310489 |
| Deed Book / Page | 3423 / 2151 |
| Prior Transfer Date | Oct 5, 2011 |
| Prior Transfer Doc | 0030041801 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Oct 10, 2019 |
| Property Address | 16 MORENO POINT RD, DESTIN, FL 32541-3175 |
| Document Number | 0034232151 |
| Book / Page | 3423 / 2151 |
| Map Reference | MB 4 PG 29 |
| Instrument Date | Oct 2, 2019 |
| Instrument | 3310489 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $16,240.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1132 PIN OAK CIR, 1132, NICEVILLE, FL 32578-3706 |
| Name | Verified Name |
|---|---|
| Address | 24307 128TH AVE E, GRAHAM, WA 98338-7870 |
| Document Number | 0034232154 |
|---|---|
| Date | Oct 10, 2019 |
| Instrument | 3423-2154 |
| Name | CROSSCOUNTY MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
The 2025 property tax bill for 16 Moreno Point Rd was $31,618.
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 | $31,618.00 | $2,669,670 Land $695,895 Building $1,973,775 | $2,669,670 Land $695,895 Building $1,973,775 |
| 2023 | $30,289.00 (+13.48%) | $2,760,423 (+19.43%) Land $669,130 Building $2,091,293 | $2,760,423 (+19.43%) Land $669,130 Building $2,091,293 |
| 2022 | $26,692.00 | $2,311,404 Land $482,777 Building $1,828,627 | $2,311,404 Land $482,777 Building $1,828,627 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 16 Moreno Point Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 422 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1,500 units insured incl. 1,078 condo units |
| Nearby Flood Claims | 819 (1980–2024) |
| Claims Outside the SFHA | 261 of 819 |
| Most Recent Claim | Aug 2024 · Hurricane Debby |
| 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 16 Moreno Point Rd 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 164 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 · Fiber in parts of the area | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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