249 Okeechobee Cv, Destin, FL 32541 Property Records

Okaloosa County property record for 249 Okeechobee Cv, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,039 sqft · built 2016
Lot Size	0.15 acres (6,574 sqft)
Owner	Individual Name on File
Last Sale	$842,300 (Oct 2023)
Tax Bill	$7,425 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-001-092-5854-1`

Property Details

APN / Parcel Number

Primary APN	`C56-001-092-5854-1`
Alternative APN	`00-2S-22-0980-000C-0340`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,039 sqft Heated Area
Gross Area	4,094 sqft
1st Floor Area	2,341 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	6,574 sqft (0.15 acres)
Garage Type	Finished
Garage Area	728 sqft
Porch	Open Porch
Porch Area	327 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	249 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 34 BLK C LESS THE W 6.34FT THEREOF
Legal Range	22
Legal Township	02S
Legal Subdivision	EMERALD LAKES PH II
Legal Phase	2
Legal Block	C
Legal Lot Number	34
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2001
Census Tract	23308

Owner

Source: Okaloosa County records · APN C56-001-092-5854-1

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	249 OKEECHOBEE CV, DESTIN, FL 32541-5712
Occupancy	Owner Occupied
Owner Type	Individual, Secondary Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 06, 2023 · Amount on Record
Deed Sale	Oct 06, 2023 · Amount on Record
Deed Document Number	3650632
Record Updated	Jun 08, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 06, 2023
Property Address	249 OKEECHOBEE CV, DESTIN, FL 32541-5712
Document Number	0003650632
Map Reference	MB 17 PG 25&26
Instrument Date	Oct 04, 2023
Instrument	3650632
Transaction Type	Transfer
Record Updated	Nov 16, 2023
Title Company	SOUTH OAK TITLE LLC, SOUTH OAK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,896.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4000 REDWOOD DR, NACOGDOCHES, TX 75965-6535

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13108 VERBENA PL NE, ALBUQUERQUE, NM 87112-6369

Mortgage

Document Number	0003650633
Date	Oct 06, 2023
Instrument	3650633

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.95%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 01, 2033
Min Rate At Change	3%
Max Rate At Change	10.9%
Margin	3
Max Rate	10.9%

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,425.00 (+61.45%)	$706,083 (+48.72%) Land $77,991 Building $628,092	$706,083 (-6.38%) Land $77,991 Building $628,092
2023	$4,599.00 (+1.19%) Homeowner's exemption Widower's exemption	$474,763 (+3%)	$754,216 (+18.25%) Land $74,697 Building $679,519
2022	$4,545.00 Homeowner's exemption Widower's exemption	$460,935	$637,791 Land $67,906 Building $569,885

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 8, 2021 · FEMA NFIP claims and policies as of September 2026 · USFWS Coastal Barrier Resources System as of December 19, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Coastal Barrier Resources System	Yes
Unit	P32 “Moreno Point”
Unit Type	System Unit
Designated	Oct 18, 1982
NFIP Eligibility	Not eligible (built 2016) built after the Oct 1, 1983 cutoff · private flood insurance only

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 225 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SOUTH WALTON UTILITY COMPANY private · serves 26,668 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.