39 Pine Ridge Trce, Destin, FL 32541 Property Records

Okaloosa County property record for 39 Pine Ridge Trce, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,258 sqft · built 1994
Lot Size	0.128 acres (5,583 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Sep 2024)
Tax Bill	$3,362 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-590-0890-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-590-0890-4`
Alternative APN	`00-2S-22-2079-000B-0060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,258 sqft Heated Area
Gross Area	1,990 sqft
1st Floor Area	1,258 sqft
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	5,583 sqft (0.128 acres)
Garage Type	Finished
Garage Area	400 sqft
Porch	Enclosed Porch
Porch Area	332 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	39 PINE RIDGE TRCE
City	DESTIN
State	FL
Zip	32541-2052
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINE RIDGE TRACE RESUB PB 13 PG 46 LOT 6 BLK B
Legal Range	22
Legal Township	02S
Legal Subdivision	PINE RIDGE TRACE RESUB LOTS 28-35 & LOTS
Legal Block	B
Legal Lot Number	6 35
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2000
Census Tract	23305

Owner

Source: Okaloosa County records, as of December 8, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	39 PINE RIDGE TRCE, DESTIN, FL 32541-2052
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2024 · Amount on Record
Deed Sale	Sep 4, 2024 · Amount on Record
Prior Sale	Mar 25, 2022 · Amount on Record
Deed Document Number	3708894
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 25, 2022
Property Address	39 PINE RIDGE TRCE, DESTIN, FL 32541-2052
Document Number	0036122003
Book / Page	3612 / 2003
Map Reference	MB 13 PG 46
Instrument Date	Mar 23, 2022
Instrument	3537362
Transaction Type	Transfer
Record Updated	Aug 4, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15225 N 100TH ST # ST2188, 15225, SCOTTSDALE, AZ 85260-3898

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 PINE RIDGE TRCE, DESTIN, FL 32541-2052

Mortgage

Document Number	0036122005
Date	Mar 25, 2022
Instrument	3612/2005

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 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	$3,362.00 (+17.92%)	$283,897 (+2.42%) Land $74,195 Building $209,702	$283,897 (+2.42%) Land $74,195 Building $209,702
2023	$2,851.00 (-6.56%) Homeowner's exemption	$277,199 (+9.46%) Land $67,321 Building $209,878	$277,199 (+9.46%) Land $67,321 Building $209,878
2022	$3,051.00	$253,234 Land $61,201 Building $192,033	$253,234 Land $61,201 Building $192,033

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

Flood

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
Flood Insurance Cost	Premium on Record median of 100 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	100 in force
Nearby Flood Claims	29 (1995–2021)
Claims Outside the SFHA	25 of 29
Most Recent Claim	Apr 2021 · other causes
Claims by Event	Hurricane Dennis, Jul 2005 · 5 claims Hurricane Frances, Sep 2004 · 7 claims Hurricane Georges, Sep 1998 · 7 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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 220 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20