Okaloosa County property record for 40 Pine Ridge Trce, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,495 sqft · built 1992 |
| Lot Size | 0.124 acres (5,432 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $275,000 (Sep 2018) |
| Tax Bill | $3,589 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-0853-2 |
| Primary APN | C56-000-590-0853-2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,495 sqft Heated Area |
| Gross Area | 2,239 sqft |
| 1st Floor Area | 1,495 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 5,432 sqft (0.124 acres) |
| Garage Type | Finished |
| Garage Area | 380 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 364 sqft |
| Deck Area | Deck Area |
| Patio Area | 336 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 40 PINE RIDGE TRCE |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2046 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINE RIDGE TRACE RE/SUB PB 12 PG 14 LOT 1 BLK C TOGETHER W/ ADJ AREA VACATED EPA AS PER ORD 24-16-CN #3747485 |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | PINE RIDGE TRACE |
| Legal Block | C |
| Legal Lot Number | 1 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 23305 |
Source: Okaloosa County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 456 JUSTIN CIR, COLUMBUS, MS 39705-2847 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 23, 2021 | Deed of Trust, Mortgage · VA Mortgage TRIDENT HOME LOANS LLC |
| Jan 24, 2020 | Deed of Trust, Mortgage · VA Mortgage TRIDENT HM LNS |
| Sep 26, 2018 | Warranty Deed, Transfer · VA Mortgage PRIVATE INDIVIDUAL |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 26, 2018 · Amount on Record |
| Deed Sale | Sep 26, 2018 · Amount on Record |
| Deed Document Number | 3234415 |
| Deed Book / Page | 3368 / 4615 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 40 PINE RIDGE TRCE, DESTIN, FL 32541-2046 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2021 |
| Title Company | AQUA TITLE |
| Name | Verified Name |
|---|---|
| Address | 40 PINE RIDGE TRCE, DESTIN, FL 32541-2046 |
| Document Number | 0035341146 |
|---|---|
| Date | Mar 23, 2021 |
| Book Page | 3534/1146 |
| Instrument | 3440330 |
| Name | TRIDENT HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | PENSACOLA, FL 32501 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 40 PINE RIDGE TRCE, DESTIN, FL 32541-2046 |
| Document Number | 0034412810 |
| Instrument Date | Jan 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 40 PINE RIDGE TRCE DESTIN FL 325412046, DESTIN, FL 32541-2046 |
| Document Number | 0034412810 |
|---|---|
| Date | Jan 31, 2020 |
| Book Page | 003441/002810 |
| Instrument | 3334228 |
| Name | TRIDENT HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | PENSACOLA, FL 32501 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 30, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 26, 2018 |
| Property Address | 40 PINE RIDGE TRCE, DESTIN, FL 32541-2046 |
| Document Number | 0033684615 |
| Book / Page | 003368 / 004615 |
| Instrument Date | Sep 21, 2018 |
| Instrument | 3134415 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2018 |
| Title Company | AQUA TITLE SERVICES, AQUA TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,925.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 40 PINE RIDGE TRCE DESTIN FL 325412046, DESTIN, FL 32541-2046 |
| Document Number | 33684617 |
|---|---|
| Date | Sep 26, 2018 |
| Book Page | 003368/004617 |
| Instrument | 3234416 |
| Name | PRIVATE INDIVIDUAL |
|---|---|
| Type | Private Party |
| Address | GULF BREEZE, FL 32561 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 25, 2048 |
Source: Okaloosa County assessment roll, as of July 1, 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 | $3,589.00 (+85.19%) | $303,102 (+50.95%) Land $74,195 Building $228,907 | $303,102 (+1.63%) Land $74,195 Building $228,907 |
| 2023 | $1,938.00 (+5.1%) Homeowner's exemption | $200,801 (+4.88%) | $298,244 (+7.22%) Land $67,321 Building $230,923 |
| 2022 | $1,844.00 Homeowner's exemption | $191,454 | $278,168 Land $61,201 Building $216,967 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 156 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 258 units insured incl. 102 condo units |
| Nearby Flood Claims | 65 (1991–2021) |
| Claims Outside the SFHA | 43 of 65 |
| Most Recent Claim | Jun 2021 · other causes |
| 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.
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.
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 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 |
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