Okaloosa County property record for 386 Terrapin Trce, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,525 sqft · built 2001 |
| Lot Size | 0.278 acres (12,098 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $51,900 (Jun 2000) |
| Tax Bill | $4,121 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | C56-000-590-5805-7 |
| Primary APN | C56-000-590-5805-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,525 sqft Living Area |
| Gross Area | 3,775 sqft |
| 1st Floor Area | 2,525 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 12,098 sqft (0.278 acres) |
| Garage Type | Attached |
| Garage Area | 704 sqft |
| Porch | Florida Room |
| Porch Area | 546 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 386 TERRAPIN TRCE |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3477 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TURTLE CREEK S/D LOT 12 |
| Legal Subdivision | TURTLE CREEK S/D |
| Legal Block | 1 |
| Legal Lot Number | 12 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 23304 |
386 Terrapin Trce is owned and occupied by two individuals who bought it in June 2000.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 386 TERRAPIN TRCE, DESTIN, FL 32541-3477 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 2000 · Amount on File |
| Deed Sale | Jun 1, 2000 · Amount on File |
| Deed Document Number | 20001774032 |
| Deed Book / Page | 2252 / 2487 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 386 Terrapin Trce was $4,121 with a homeowner's exemption.
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,121.00 Homeowner's exemption | $429,490 | $872,525 Land $293,440 Building $579,085 |
| 2023 | $3,913.00 (+2.27%) Homeowner's exemption | $405,229 (+3%) | $778,196 (+21.9%) Land $258,500 Building $519,696 |
| 2022 | $3,826.00 Homeowner's exemption | $393,426 | $638,397 Land $206,040 Building $432,357 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 386 Terrapin Trce in Zone X, an area of moderate flood risk, within 100 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 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 File 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 |
|
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 2001) 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 risk around 386 Terrapin Trce 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 99.1% of the US · lower than 98.7% 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 99 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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