245 Okeechobee Cv, Destin, FL 32541 Property Records

Okaloosa County property record for 245 Okeechobee Cv, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,062 sqft · built 2000
Lot Size	0.28 acres (12,174 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Jul 2007)
Tax Bill	$2,500 (2025)
Deeds & Mortgages	Sep 2026 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-7593-9`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-7593-9`
Alternative APNs	`00-2S-22-0980-000C-0320` `22S2000980000C0320`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,062 sqft Living Area
Gross Area	2,834 sqft
1st Floor Area	2,062 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	12,174 sqft (0.28 acres)
Garage Type	Attached
Garage Area	441 sqft
Driveway	Driveway
Porch	Finished/Open Porch
Porch Area	331 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	245 OKEECHOBEE CV
City	DESTIN
State	FL
Zip	32541-5712
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EMERALD LAKES PH II LOT 32 BLK C
Legal Subdivision	EMERALD LAKES
Legal Phase	2
Legal Block	C
Legal Lot Number	32
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2001
Census Tract	23308

Owner

Source: Okaloosa County records, as of September 16, 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	245 OKEECHOBEE CV, DESTIN, FL 32541-5712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2007 · Amount on Record
Deed Sale	Jul 31, 2007 · Amount on Record
Prior Sale	Jul 31, 2000 · Amount on Record
Deed Document Number	20072439072
Deed Book / Page	2799 / 1004
Last Transfer Date	Sep 21, 2015
Transfer Doc	0032190244
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Recording Date	Sep 8, 2026
Property Address	245 OKEECHOBEE CV, DESTIN, FL 32541-5712
Document Number	0003837420
Instrument Date	Aug 21, 2026
Instrument	20263837420
Transaction Type	Mortgage
Record Updated	Sep 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 OKEECHOBEE CV, DESTIN, FL 32541-5712

Mortgage

Document Number	0003837420,
Date	Sep 8, 2026
Instrument	20263837420

Lender

Name	REGIONS BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2046

Interest

Max Rate	-1%

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,500.00 (+5.62%) Homeowner's exemption	$275,385 (+5.99%)	$472,004 (-2.85%) Land $95,322 Building $376,682
2023	$2,367.00 (+2.47%) Homeowner's exemption	$259,829 (+3%)	$485,842 (+19.4%) Land $82,560 Building $403,282
2022	$2,310.00 Homeowner's exemption	$252,261	$406,899 Land $75,054 Building $331,845

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (1995–2018)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2018 · other causes

Coastal Barrier Resources

Source: USFWS Coastal Barrier Resources System, as of December 19, 2024

Coastal Barrier Resources System	Yes
Unit	P32 “Moreno Point”
Unit Type	System Unit
Designated	Oct 18, 1982
NFIP Eligibility	Not eligible (built 2000) built after the Oct 1, 1983 cutoff · private flood insurance only

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOUTH WALTON UTILITY COMPANY private · serves 26,668 people · EPA ID FL1660615
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 225 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	2,000 / 35
Verizon Fixed Wireless	300 / 20