Okaloosa County property record for 22 Trail Ct, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,013 sqft · built 1990 |
| Lot Size | 0.107 acres (4,687 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $165,000 (Mar 2017) |
| Tax Bill | $970 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Mar 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-0850-8 |
| Primary APN | C56-000-590-0850-8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,013 sqft Heated Area |
| Gross Area | 1,034 sqft |
| 1st Floor Area | 1,013 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 4,687 sqft (0.107 acres) |
| Porch | Open Porch |
| Porch Area | 21 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 22 TRAIL CT |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2026 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINE RIDGE TRACE RE/SUB PB 12 PG 14 LOT 1 BLK B TOGETHER W/ ADJ AREA VACATED EPA AS PER ORD 24-16-CN #3747485 |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | PINE RIDGE TRACE |
| Legal Block | B |
| Legal Lot Number | 1 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 23305 |
Source: Okaloosa County records, as of December 8, 2025
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 | 22 TRAIL CT, DESTIN, FL 32541-2026 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Mar 28, 2017 | Warranty Deed, Transfer · FHA Mortgage FBT MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 24, 2017 · Amount on Record |
| Deed Sale | Mar 24, 2017 · Amount on Record |
| Deed Document Number | 0032924959 |
| Deed Book / Page | 3292 / 4959 |
| Last Transfer Date | Mar 28, 2017 |
| Transfer Doc | 0032924959 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 22 TRAIL CT, DESTIN, FL 32541-2026 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2021 |
| Name | Verified Name |
|---|---|
| Address | 22 TRAIL CT, DESTIN, FL 32541-2026 |
| Document Number | 0035921995 |
|---|---|
| Date | Dec 10, 2021 |
| Book Page | 3592/1995 |
| Instrument | 3512000 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 1, 2037 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Mar 28, 2017 |
| Property Address | 22 TRAIL CT, DESTIN, FL 32541-2026 |
| Document Number | 0032924959 |
| Book / Page | 003292 / 004959 |
| Instrument Date | Mar 24, 2017 |
| Instrument | 3125690 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,155.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 22 TRAIL CT DESTIN FL 325412026, DESTIN, FL 32541-2026 |
| Document Number | 32924961 |
|---|---|
| Date | Mar 28, 2017 |
| Book Page | 003292/004961 |
| Instrument | 3125691 |
| Name | FBT MTG |
|---|---|
| Type | Mortgage Company |
| Address | OCEAN SPRINGS, MS 39564 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 27, 2047 |
Source: Okaloosa County assessment roll, as of July 1, 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 | $970.00 (+7.42%) Homeowner's exemption | $121,007 (+5.99%) | $178,393 (+4.09%) Land $74,195 Building $104,198 |
| 2023 | $903.00 (+3.56%) Homeowner's exemption | $114,172 (+3%) | $171,377 (+7.84%) Land $67,321 Building $104,056 |
| 2022 | $872.00 Homeowner's exemption | $110,847 | $158,919 Land $61,201 Building $97,718 |
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 86% of Florida |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation |
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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