Okaloosa County property record for 3159 E Hwy 98, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 4,325 sqft · built 1991 |
| Lot Size | 0.172 acres (7,498 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,148,000 (Sep 2017) |
| Tax Bill | $22,624 (2025) |
| Deeds & Mortgages | Sep 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-5825-7 |
| Primary APN | C56-000-589-5825-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 4,325 sqft Living Area |
| Gross Area | 7,350 sqft |
| 1st Floor Area | 1,881 sqft |
| Upper Floors Area | 2,049 sqft |
| Basement Area | 494 sqft |
| Finished Basement | 494 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,498 sqft (0.172 acres) |
| Lot Width | 75 ft Width |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 3,034 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3159 E HIGHWAY 98 |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CRYSTAL BEACH S1/2 LOTS 1 & 2 BLK 6 |
| Legal Subdivision | CRYSTAL BEACH |
| Legal Block | 6 |
| Legal Lot Number | 10 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 23308 |
3159 E Hwy 98 is owned by an individual who bought it in September 2017.
Source: Okaloosa County records, as of December 31, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 802 MOSS CREEK PLANTATION, DULUTH, GA 30097-5958 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 1, 2017 · Amount on File |
| Deed Sale | Sep 1, 2017 · Amount on File |
| Prior Sale | Oct 21, 2014 · Amount on File |
| Deed Document Number | 20173157579 |
| Deed Book / Page | 3315 / 4394 |
| Prior Transfer Date | Aug 13, 2003 |
| Prior Transfer Doc | 0024690914 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 1, 2017 |
| Property Address | 3159 SCENIC HIGHWAY 98, DESTIN, FL 32541-3613 |
| Document Number | 0033154394 |
| Book / Page | 003315 / 004394 |
| Instrument Date | Aug 15, 2017 |
| Instrument | 3157579 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $8,036.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 802 MOSS CREEK PLANTATION JOHNS CREEK GA 300975958, JOHNS CREEK, GA 30097-5958 |
The 2025 property tax bill for 3159 E Hwy 98 was $22,624.
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 | $22,624.00 | $2,051,373 Land $679,541 Building $1,371,832 | $2,051,373 Land $679,541 Building $1,371,832 |
| 2023 | $20,589.00 (+15.83%) | $2,008,981 (+23.75%) Land $616,587 Building $1,392,394 | $2,008,981 (+23.75%) Land $616,587 Building $1,392,394 |
| 2022 | $17,775.00 | $1,623,466 Land $560,534 Building $1,062,932 | $1,623,466 Land $560,534 Building $1,062,932 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3159 E Hwy 98 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 95 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 251 units insured incl. 156 condo units |
| Nearby Flood Claims | 51 (1983–2005) |
| Claims Outside the SFHA | 39 of 51 |
| Most Recent Claim | Jul 2005 · Hurricane Dennis |
| 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.
Wildfire risk around 3159 E Hwy 98 is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% 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 579 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 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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