3175 E Hwy 98, Destin, FL 32541 Property Records

Okaloosa County property record for 3175 E Hwy 98, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,923 sqft · built 1990
Lot Size	0.172 acres (7,499 sqft)
Owner	2 Company Names on File
Last Sale	$2,735,000 (Nov 2021)
Tax Bill	$10,966 (2025)
Deeds & Mortgages	Nov 2021 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-5829-9`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-5829-9`
Alternative APNs	`00-2S-22-0580-0006-0050` `22S200058000060050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	1,923 sqft Living Area
Gross Area	2,807 sqft
1st Floor Area	1,272 sqft
Upper Floors Area	651 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,499 sqft (0.172 acres)
Lot Width	50 ft Width
Porch	Finished/Open Porch
Porch Area	884 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3175 E HIGHWAY 98
City	DESTIN
State	FL
Zip	32541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRYSTAL BEACH LOT 5 BLK 6
Legal Subdivision	CRYSTAL BEACH
Legal Block	6
Legal Lot Number	5
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1018
Census Tract	23308

Owner

3175 E Hwy 98 is owned by a company that bought it in November 2021.

Source: Okaloosa County records, as of April 14, 2026

Owner of Record	2 Company Names on File
Mailing Address	4460 WARNER RD, TALLAHASSEE, FL 32309-6444
Owner Type	Company
Vesting	Limited Liability Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2021 · Amount on File
Deed Sale	Nov 23, 2021 · Amount on File
Prior Sale	Mar 19, 2015 · Amount on File
Deed Document Number	20213507923
Deed Book / Page	3589 / 971
Prior Transfer Date	Jun 22, 2004
Prior Transfer Doc	0002134891
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 23, 2021
Property Address	3175 SCENIC HIGHWAY 98, DESTIN, FL 32541-3613
Document Number	0035890971
Book / Page	3589 / 971
Map Reference	MB 1 PG 17
Instrument Date	Nov 19, 2021
Instrument	3507923
Transaction Type	Transfer
Record Updated	Dec 15, 2021
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$19,145.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2926 S COUNTRY CLUB RD, 2926, GARLAND, TX 75043-1306

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4460 WARNER RD, TALLAHASSEE, FL 32309-6444

Mortgage

Document Number	0035890989
Date	Nov 23, 2021
Book Page	3589/989
Instrument	3507926

Lender

Name	PRIME MERIDIAN BANK
Type	Bank
Address	TALLAHASSEE, FL 32312

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Nov 19, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 3175 E Hwy 98 was $10,966.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,966.00	$925,988 Land $679,541 Building $246,447	$925,988 Land $679,541 Building $246,447
2023	$10,589.00 (+9.56%)	$891,424 (+11.15%) Land $616,587 Building $274,837	$891,424 (+11.15%) Land $616,587 Building $274,837
2022	$9,665.00	$802,019 Land $560,534 Building $241,485	$802,019 Land $560,534 Building $241,485

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3175 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	Hurricane Frances, Oct 2004 · 6 claims Hurricane Georges, Sep 1998 · 4 claims Hurricane Opal, Oct 1995 · 38 claims

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

Wildfire risk around 3175 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.

Drinking Water

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

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 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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