48 Pine Ridge Trce, Destin, FL 32541 Property Records

Okaloosa County property record for 48 Pine Ridge Trce, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 974 sqft · built 1992
Lot Size	0.101 acres (4,399 sqft)
Owner	2 Individual Names on Record
Last Sale	$90,100 (Sep 2020)
Tax Bill	$1,357 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-590-0857-3`

Property Details

APN / Parcel Number

Primary APN	`C56-000-590-0857-3`
Alternative APNs	`00-2S-22-2077-000C-0050` `22S2002077000C0050`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	974 sqft Living Area
Gross Area	1,414 sqft
1st Floor Area	974 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,399 sqft (0.101 acres)
Garage Type	Attached
Garage Area	264 sqft
Porch	Florida Room
Porch Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	48 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 5 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	5
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	48 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	Sep 22, 2020 · Amount on Record
Deed Sale	Sep 22, 2020 · Amount on Record
Prior Sale	Dec 1, 2016 · Amount on Record
Deed Document Number	20203392027
Deed Book / Page	3492 / 4652
Prior Transfer Date	Feb 26, 2009
Prior Transfer Doc	0028781806
Record Updated	Oct 29, 2026

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 22, 2020
Property Address	48 PINE RIDGE TRCE, DESTIN, FL 32541-2046
Document Number	0034924652
Book / Page	3492 / 4652
Map Reference	MB 12 PG 14
Instrument Date	Sep 6, 2020
Instrument	3392027
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$630.70
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 PINE RIDGE TRCE, DESTIN, FL 32541-2046

Mortgage

Document Number	0034924653
Date	Sep 22, 2020
Instrument	3492/4653

Lender

Name	EGLIN FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

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	$1,357.00 (+6.77%) Homeowner's exemption	$153,628 (+5.99%)	$227,326 (+2.37%) Land $74,195 Building $153,131
2023	$1,271.00 (+3.17%) Homeowner's exemption	$144,950 (+3%)	$222,064 (+7.48%) Land $67,321 Building $154,743
2022	$1,232.00 Homeowner's exemption	$140,728	$206,607 Land $61,201 Building $145,406

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