328 Tequesta Dr, Destin, FL 32541 Property Records

Okaloosa County property record for 328 Tequesta Dr, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,827 sqft · built 2003
Lot Size	0.2 acres (8,715 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Jun 2017)
Tax Bill	$2,623 (2025)
Deeds & Mortgages	May 2022 Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-7650-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-7650-7`
Alternative APNs	`00-2S-22-0981-0000-0200` `22S200098100000200`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,827 sqft Living Area
Gross Area	3,156 sqft
1st Floor Area	1,827 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	8,715 sqft (0.2 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	597 sqft
Patio Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	328 TEQUESTA DR
City	DESTIN
State	FL
Zip	32541-5718
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EMERALD LAKES PH III LOT 20
Legal Subdivision	EMERALD LAKES
Legal Phase	3
Legal Lot Number	20
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2001
Census Tract	23308

Owner

328 Tequesta Dr is owned and occupied by two individuals who bought it in June 2017.

Source: Okaloosa County records, as of December 31, 2025

Owner of Record	2 Individual Names on File
Mailing Address	328 TEQUESTA DR, DESTIN, FL 32541-5718
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
May 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage SOUTHEAST MORTGAGE OF GEORGIA
Jun 27, 2017	Warranty Deed, Transfer · Conventional with PMI ACOPIA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2017 · Amount on File
Deed Sale	Jun 27, 2017 · Amount on File
Prior Sale	Dec 1, 2008 · Amount on File
Deed Document Number	20173143917
Deed Book / Page	3305 / 4855
Prior Transfer Date	Aug 26, 2013
Prior Transfer Doc	0031172672
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	328 TEQUESTA DR, DESTIN, FL 32541-5718
Transaction Type	Mortgage
Record Updated	May 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 TEQUESTA DR, DESTIN, FL 32541-5718

Mortgage

Document Number	0036200043
Date	May 4, 2022
Book Page	3620/43
Instrument	3547440

Lender

Name	SOUTHEAST MORTGAGE OF GEORGIA
Type	Mortgage Company
Address	DULUTH, GA 30096

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 27, 2017
Property Address	328 TEQUESTA DR, DESTIN, FL 32541-5718
Document Number	0033054855
Book / Page	003305 / 004855
Instrument Date	Jun 26, 2017
Instrument	3143917
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,955.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	328 TEQUESTA DR DESTIN FL 325415718, DESTIN, FL 32541-5718

Mortgage

Document Number	33054857
Date	Jun 27, 2017
Book Page	003305/004857
Instrument	3143918

Lender

Name	ACOPIA
Address	GOODLETTSVILLE, TN 37072

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 26, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 328 Tequesta Dr was $2,623 with exemptions applied.

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	$2,623.00 Homeowner's exemption Widower's exemption	$292,009	$422,662 Land $103,728 Building $318,934
2023	$2,481.00 (+0.53%) Homeowner's exemption Widower's exemption	$275,514 (+3%)	$446,166 (+9.86%) Land $94,118 Building $352,048
2022	$2,468.00 Homeowner's exemption Widower's exemption	$267,489	$406,134 Land $81,488 Building $324,646

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

Flood

FEMA maps place 328 Tequesta Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1995.

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 2003) 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

Wildfire risk around 328 Tequesta Dr 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	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 221 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

May also be available: Wildstar Networks.

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