Okaloosa County property record for 20 Pine Ridge Trce, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,091 sqft · built 1994 |
| Lot Size | 0.118 acres (5,153 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $275,000 (Jul 2021) |
| Tax Bill | $1,979 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Jul 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-0895-3 |
| Primary APN | C56-000-590-0895-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,091 sqft Living Area |
| Gross Area | 1,372 sqft |
| 1st Floor Area | 1,091 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 5,153 sqft (0.118 acres) |
| Garage Type | Attached |
| Garage Area | 209 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 72 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 20 PINE RIDGE TRCE |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2092 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINE RIDGE TRACE RESUB PB 13 PG 46 LOT 11 BLK B |
| Legal Subdivision | PINE RIDGE |
| Legal Block | B |
| Legal Lot Number | 11 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 23305 |
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 | 20 PINE RIDGE TRCE, DESTIN, FL 32541-2092 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 4, 2024 | Deed of Trust, Mortgage · FHA Mortgage ESSEX MORTGAGE |
| Jul 8, 2021 | Warranty Deed, Transfer · FHA Mortgage HOMETOWN EQUITY MORTGAGE |
| Aug 1, 2017 | Warranty Deed, Transfer NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 8, 2021 · Amount on Record |
| Deed Sale | Jul 8, 2021 · Amount on Record |
| Prior Sale | Aug 1, 2017 · Amount on Record |
| Deed Document Number | 20213470198 |
| Deed Book / Page | 3559 / 1060 |
| Prior Transfer Date | Jul 24, 2015 |
| Prior Transfer Doc | 0032181144 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 20 PINE RIDGE TRCE, DESTIN, FL 32541-2092 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2024 |
| Name | Verified Name |
|---|---|
| Address | 20 PINE RIDGE TRCE, DESTIN, FL 32541-2092 |
| Document Number | 0003680237 |
|---|---|
| Date | Apr 4, 2024 |
| Instrument | 3680237 |
| Name | ESSEX MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | 1417 N MAGNOLIA AVE, OCALA, FL 34475 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 327 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 8, 2021 |
| Property Address | 20 PINE RIDGE TRCE, DESTIN, FL 32541-2092 |
| Document Number | 0035591060 |
| Book / Page | 3559 / 1060 |
| Map Reference | MB 13 PG 46 |
| Instrument Date | Jun 30, 2021 |
| Instrument | 3470198 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | AQUA TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,925.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3626 AZALEA DR, 3626, DESTIN, FL 32541-2395 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 20 PINE RIDGE TRCE, DESTIN, FL 32541-2092 |
| Document Number | 35591062 |
|---|---|
| Date | Jul 8, 2021 |
| Instrument | 3559/1062 |
| Name | HOMETOWN EQUITY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Number | 0035591940 |
|---|---|
| Date | Jul 9, 2021 |
| Book Page | 3559/1940 |
| Instrument | 3470446 |
| Name | NATIONAL HOMEBUYERS FUND INC |
|---|---|
| Type | Mortgage Company |
| Address | SACRAMENTO, CA 95814 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 1, 2031 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Aug 1, 2017 |
| Property Address | 20 PINE RIDGE TRCE, DESTIN, FL 32541-2092 |
| Document Number | 0033104619 |
| Book / Page | 003310 / 004619 |
| Instrument Date | Jul 28, 2017 |
| Instrument | 3150760 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2017 |
| Title Company | VINTAGE TITLE AND ESCROW INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,295.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 20 PINE RIDGE TRCE DESTIN FL 325412092, DESTIN, FL 32541-2092 |
| Document Number | 33104621 |
|---|---|
| Date | Aug 1, 2017 |
| Book Page | 003310/004621 |
| Instrument | 3150761 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 31, 2047 |
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 | $1,979.00 (+2.43%) Homeowner's exemption Widower's exemption | $211,152 (+2.86%) Land $74,195 Building $136,957 | $211,152 (+2.86%) Land $74,195 Building $136,957 |
| 2023 | $1,932.00 (-16.15%) Homeowner's exemption Widower's exemption | $205,279 (+7.34%) Land $67,321 Building $137,958 | $205,279 (+7.34%) Land $67,321 Building $137,958 |
| 2022 | $2,304.00 | $191,240 Land $61,201 Building $130,039 | $191,240 Land $61,201 Building $130,039 |
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 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 |
|
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 | 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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