Okaloosa County property record for 2 Moreno Point Rd, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 3,861 sqft · built 2017 |
| Lot Size | 0.331 acres (14,398 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $13,901 (2025) |
| Deeds & Mortgages | May 2018 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | C56-000-590-9412-8 |
| Primary APN | C56-000-590-9412-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 3,861 sqft Living Area |
| Gross Area | 8,596 sqft |
| 1st Floor Area | 408 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 14,398 sqft (0.331 acres) |
| Lot Width | 120 ft Width |
| Garage Type | Carport |
| Garage Area | 2,395 sqft |
| Carport | Carport |
| Carport Area | 2,395 sqft |
| Driveway | Driveway |
| Porch | Finished/Open Porch |
| Porch Area | 2,172 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2 MORENO POINT RD |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3139 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOLIDAY ISLE LOT 5 BLK D |
| Legal Subdivision | HOLIDAY ISLE |
| Legal Block | D |
| Legal Lot Number | 5 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 23303 |
Source: Okaloosa County records, as of August 27, 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 | 2 MORENO POINT RD, DESTIN, FL 32541-3139 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 23, 2013 |
| Transfer Doc | 0030921228 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 2 MORENO POINT RD, DESTIN, FL 32541-3139 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0033490601 |
|---|---|
| Date | May 7, 2018 |
| Book Page | 3349/0601 |
| Instrument | 3205408 |
| Name | RIVERLAND FCU |
|---|---|
| Type | Credit Union |
| Address | NEW ORLEANS, LA 70113 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | May 6, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $13,901.00 (+5.23%) Homeowner's exemption | $1,212,842 (+5.99%) | $2,060,965 (+5.63%) Land $785,297 Building $1,275,668 |
| 2023 | $13,210.00 (+5.07%) Homeowner's exemption | $1,144,331 (+5.79%) | $1,951,134 (+25.74%) Land $712,546 Building $1,238,588 |
| 2022 | $12,572.00 Homeowner's exemption | $1,081,704 | $1,551,745 Land $539,807 Building $1,011,938 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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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