46 Pine Ridge Trce, Destin, FL 32541 Property Records

Okaloosa County property record for 46 Pine Ridge Trce, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,148 sqft · built 1991
Lot Size	0.125 acres (5,432 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Dec 2019)
Tax Bill	$1,928 (2025)
Deeds & Mortgages	Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-590-0856-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-590-0856-5`
Alternative APNs	`00-2S-22-2077-000C-0040` `22S2002077000C0040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,148 sqft Living Area
Gross Area	1,820 sqft
1st Floor Area	1,148 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	5,432 sqft (0.125 acres)
Garage Type	Attached
Garage Area	264 sqft
Porch	Finished/Open Porch
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	46 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 4 BLK C TOGETHER W/ ADJ AREA VACATED EPA AS PER ORD 24-16-CN #3747485
Legal Subdivision	PINE RIDGE
Legal Block	C
Legal Lot Number	4
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1002
Census Tract	23305

Owner

Source: Okaloosa County records, as of August 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	46 PINE RIDGE TRCE, DESTIN, FL 32541-2046
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2019 · Amount on Record
Deed Sale	Dec 10, 2019 · Amount on Record
Prior Sale	Jul 30, 2014 · Amount on Record
Deed Document Number	20193323274
Deed Book / Page	3432 / 4705
Record Updated	Oct 29, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 10, 2019
Property Address	46 PINE RIDGE TRCE, DESTIN, FL 32541-2046
Document Number	0034324705
Book / Page	3432 / 4705
Map Reference	MB 12 PG 24
Instrument Date	Dec 5, 2019
Instrument	3323274
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	EMERALD COAST TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4506 ALABAMA AVE, 4506, COLUMBUS, MS 39705-7505

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 PINE RIDGE TRCE, DESTIN, FL 32541-2046

Mortgage

Document Number	0034324707
Date	Dec 10, 2019
Instrument	3432-4707

Lender

Name	INTERLINC MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 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	$1,928.00 (+6.23%) Homeowner's exemption	$201,885 (+5.99%)	$225,551 (-3.23%) Land $74,195 Building $151,356
2023	$1,815.00 (+2.83%) Homeowner's exemption	$190,481 (+3%)	$233,069 (+4.23%) Land $67,321 Building $165,748
2022	$1,765.00 Homeowner's exemption	$184,933	$223,615 Land $61,201 Building $162,414

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 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	Hurricane Frances, Sep 2004 · 10 claims Hurricane Georges, Sep 1998 · 10 claims Hurricane Opal, Oct 1995 · 17 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