Okaloosa County property record for 42 Pine Ridge Trce, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,335 sqft · built 1992 |
| Lot Size | 0.1 acres (4,399 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $119,000 (Jun 2011) |
| Tax Bill | $1,096 (2025) |
| Deeds & Mortgages | Feb 2018 Mortgage Nov 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-0854-0 |
| Primary APN | C56-000-590-0854-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,335 sqft Heated Area |
| Gross Area | 2,002 sqft |
| 1st Floor Area | 1,335 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1992 |
|---|---|
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 4,399 sqft (0.1 acres) |
| Garage Type | Finished |
| Garage Area | 475 sqft |
| Porch | Enclosed Porch |
| Porch Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 42 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 2 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 | 2 |
| 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 | Owner Name on Record |
|---|---|
| Mailing Address | 42 PINE RIDGE TRCE, DESTIN, FL 32541-2046 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Feb 15, 2018 | Deed of Trust, Mortgage · Conventional Mortgage EGLIN FCU |
| Nov 18, 2019 | Deed of Trust, Mortgage · Conventional Mortgage EGLIN FCU |
| Dec 28, 2018 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 24, 2011 · Amount on Record |
| Deed Sale | Jun 24, 2011 · Amount on Record |
| Prior Sale | Jan 13, 2011 · Amount on Record |
| Deed Document Number | 2712447 |
| Deed Book / Page | 2990 / 2059 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 42 PINE RIDGE TRCE, DESTIN, FL 32541-2046 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0033372818 |
|---|---|
| Date | Feb 15, 2018 |
| Book Page | 3337/2818 |
| Instrument | 3188803 |
| Name | EGLIN FCU |
|---|---|
| Type | Credit Union |
| Address | FORT WALTON BEACH, FL 32548 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Feb 29, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 42 PINE RIDGE TRCE, DESTIN, FL 32541-2046 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034291745 |
|---|---|
| Date | Nov 18, 2019 |
| Book Page | 3429/1745 |
| Instrument | 3318833 |
| Name | EGLIN FCU |
|---|---|
| Type | Credit Union |
| Address | FORT WALTON BEACH, FL 32547 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 42 PINE RIDGE TRCE, DESTIN, FL 32541-2046 |
| Document Number | 0033803041 |
| Instrument Date | Dec 28, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 42 PINE RIDGE TRCE DESTIN FL 325412046, DESTIN, FL 32541-2046 |
| Document Number | 0033803041 |
|---|---|
| Date | Jan 4, 2019 |
| Book Page | 003380/003041 |
| Instrument | 3251709 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 3, 2049 |
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 | $1,096.00 (+7.14%) Homeowner's exemption | $131,636 (+5.99%) | $252,106 (+3.05%) Land $74,195 Building $177,911 |
| 2023 | $1,023.00 (+3.33%) Homeowner's exemption | $124,200 (+3%) | $244,638 (+7.44%) Land $67,321 Building $177,317 |
| 2022 | $990.00 Homeowner's exemption | $120,583 | $227,705 Land $61,201 Building $166,504 |
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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