Okaloosa County property record for 45 Pine Ridge Trce, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,226 sqft · built 1994 |
| Lot Size | 0.115 acres (4,999 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $76,500 (May 2015) |
| Tax Bill | $1,240 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-0887-0 |
| Primary APN | C56-000-590-0887-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,226 sqft Living Area |
| Gross Area | 1,798 sqft |
| 1st Floor Area | 1,226 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 4,999 sqft (0.115 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Florida Room |
| Porch Area | 152 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 45 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 3 BLK B |
| Legal Subdivision | PINE RIDGE |
| Legal Block | B |
| Legal Lot Number | 3 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 23305 |
Source: Okaloosa County records, as of December 31, 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 | 45 PINE RIDGE TRCE, DESTIN, FL 32541-2052 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 21, 2015 · Amount on Record |
| Deed Sale | May 21, 2015 · Amount on Record |
| Prior Sale | Mar 5, 2008 · Amount on Record |
| Deed Document Number | 20152998260 |
| Deed Book / Page | 3198 / 4938 |
| Prior Transfer Date | Apr 17, 2015 |
| Prior Transfer Doc | 0031984938 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 45 PINE RIDGE TRCE, DESTIN, FL 32541-2052 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2021 |
| Name | Verified Name |
|---|---|
| Address | 45 PINE RIDGE TRCE, DESTIN, FL 32541-2052 |
| Document Number | 0035202955 |
|---|---|
| Date | Jan 25, 2021 |
| Book Page | 3520/2955 |
| Instrument | 3424296 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
Source: Okaloosa County assessment roll, as of December 31, 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 | $1,240.00 (+6.99%) Homeowner's exemption | $143,746 (+5.99%) | $267,026 (+2.14%) Land $74,195 Building $192,831 |
| 2023 | $1,159.00 (+3.21%) Homeowner's exemption | $135,626 (+3%) | $261,430 (+7.09%) Land $67,321 Building $194,109 |
| 2022 | $1,123.00 Homeowner's exemption | $131,676 | $244,128 Land $61,201 Building $182,927 |
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 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 |
|
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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