Okaloosa County property record for 251 Leaning Pines Loop, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,782 sqft · built 2004 |
| Lot Size | 0.584 acres (25,421 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,150,000 (May 2024) |
| Tax Bill | $11,151 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Aug 2021 Transfer + 6 more |
| Flood Zone | Zone X (moderate risk) |
| APN | C56-000-589-9435-1 |
| Primary APN | C56-000-589-9435-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,782 sqft Living Area |
| Gross Area | 3,768 sqft |
| 1st Floor Area | 2,782 sqft |
| Flooring | Stone |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Concrete |
| Lot Area | 25,421 sqft (0.584 acres) |
| Garage Type | Attached |
| Garage Area | 709 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 277 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 251 LEANING PINES LOOP |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3419 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KELLY PLANTATION PH III LOT 9 BLK BB |
| Legal Subdivision | KELLY PLANTATION |
| Legal Phase | 3 |
| Legal Block | BB |
| Legal Lot Number | 9 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 23304 |
Source: Okaloosa County records · APN C56-000-589-9435-1
Assessment roll updated December 31, 2025 · Last verified August 2026
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 |
|---|---|
| Mailing Address | 251 LEANING PINES LOOP, DESTIN, FL 32541-3419 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Date | Document |
|---|---|
| May 01, 2026 | Deed of Trust, Mortgage · Line of Credit RENASANT BANK |
| Aug 27, 2021 | Intrafamily Transfer, Transfer |
| Jul 21, 2021 | Intrafamily Transfer, Transfer |
| Jun 24, 2020 | Deed of Trust, Mortgage · Line of Credit TRUSTMARK NATIONAL BANK |
| May 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTMARK NATIONAL BANK |
| Oct 02, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Jan 18, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| May 16, 2017 | Warranty Deed, Transfer · ARM WELLS FARGO BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 02, 2024 · Amount on Record |
| Deed Sale | May 02, 2024 · Amount on Record |
| Prior Sale | Oct 02, 2020 · Amount on Record |
| Deed Document Number | 20243685565 |
| Prior Transfer Date | Aug 26, 2021 |
| Prior Transfer Doc | 0035700345 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | May 01, 2026 |
| Property Address | 251 LEANING PINES LOOP, DESTIN, FL 32541-3419 |
| Document Number | 0003814199 |
| Instrument Date | Apr 24, 2026 |
| Instrument | 20263814199 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|
| Document Number | 0003814199, |
|---|---|
| Date | May 01, 2026 |
| Instrument | 20263814199 |
| Name | RENASANT BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 25, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Aug 27, 2021 |
| Property Address | 251 LEANING PINES LOOP, DESTIN, FL 32541-3419 |
| Document Number | 0035700345 |
| Book / Page | 3570 / 345 |
| Map Reference | MB 16 PG 94&95 |
| Instrument Date | Aug 26, 2021 |
| Instrument | 3484151 |
| Transaction Type | Transfer |
| Record Updated | Sep 16, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 251 LEANING PINES LOOP, DESTIN, FL 32541-3419 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 21, 2021 |
| Property Address | 251 LEANING PINES LOOP, DESTIN, FL 32541-3419 |
| Document Number | 0035613090 |
| Book / Page | 3561 / 3090 |
| Map Reference | MB 15 PG 94&95 |
| Instrument Date | Jun 30, 2021 |
| Instrument | 3473489 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 251 LEANING PINES LOOP, DESTIN, FL 32541-3419 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034704282 |
|---|---|
| Date | Jun 24, 2020 |
| Book Page | 3470/4282 |
| Instrument | 3367937 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | SANTA ROSA BEACH, FL 32459 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 09, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 251 LEANING PINES LOOP, DESTIN, FL 32541-3419 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034633134 |
|---|---|
| Date | May 22, 2020 |
| Book Page | 3463/3134 |
| Instrument | 3359874 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | JACKSON, MS 39225 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Oct 02, 2020 |
| Property Address | 251 LEANING PINES LOOP, DESTIN, FL 32541-3419 |
| Document Number | 0034960565 |
| Book / Page | 003496 / 000565 |
| Instrument Date | Oct 01, 2020 |
| Instrument | 3395597 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,873.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 251 LEANING PINES LOOP DESTIN FL 325413419, DESTIN, FL 32541-3419 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jan 18, 2019 |
| Property Address | 251 LEANING PINES LOOP, DESTIN, FL 32541-3419 |
| Document Number | 0033821006 |
| Book / Page | 003382 / 001006 |
| Instrument Date | Jan 18, 2019 |
| Instrument | 3254208 |
| Transaction Type | Transfer |
| Record Updated | Feb 07, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 251 LEANING PINES LOOP DESTIN FL 325413419, DESTIN, FL 32541-3419 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | May 16, 2017 |
| Property Address | 251 LEANING PINES LOOP, DESTIN, FL 32541-3419 |
| Document Number | 0032993582 |
| Book / Page | 3299 / 3582 |
| Map Reference | MB15 PG94&95 |
| Instrument Date | May 15, 2017 |
| Instrument | 3135256 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 135 MADDOX ST, 135, SANTA ROSA BEACH, FL 32459-6144 |
| Name | Verified Name |
|---|---|
| Address | 251 LEANING PINES LOOP, DESTIN, FL 32541-3419 |
| Document Number | 0003135257 |
|---|---|
| Date | May 16, 2017 |
| Instrument | 3135257 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | Jun 01, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5.62% |
| Index | 1-Year LIBOR |
| Max Rate | 8.62% |
Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
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 | $11,151.00 (+86.72%) | $1,060,408 (+77.04%) Land $370,332 Building $690,076 | $1,060,408 (+8.84%) Land $370,332 Building $690,076 |
| 2023 | $5,972.00 (+2.17%) Homeowner's exemption | $598,950 (+3%) | $974,245 (+15.84%) Land $326,236 Building $648,009 |
| 2022 | $5,845.00 Homeowner's exemption | $581,505 | $841,000 Land $296,578 Building $544,422 |
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
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 117 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 460 units insured incl. 343 condo units |
| Nearby Flood Claims | 124 (1988–2020) |
| Claims Outside the SFHA | 83 of 124 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
| Coastal Barrier Resources System | Yes |
|---|---|
| Unit | P32 “Moreno Point” |
| Unit Type | System Unit |
| Designated | Oct 18, 1982 |
| NFIP Eligibility | Not eligible (built 2004) built after the Oct 1, 1983 cutoff · private flood insurance only |
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 99 locations within half a mile of this property.
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 | DESTIN WATER USERS, INC. private · serves 31,752 people |
|---|---|
| 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 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.
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