Okaloosa County property record for 49 Pine Ridge Trce, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,256 sqft · built 1993 |
| Lot Size | 0.115 acres (4,999 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $266,500 (Dec 2018) |
| Tax Bill | $2,344 (2025) |
| Deeds & Mortgages | Oct 2026 Sale Oct 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-0885-4 |
| Primary APN | C56-000-590-0885-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,256 sqft Living Area |
| Gross Area | 1,536 sqft |
| 1st Floor Area | 1,256 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 4,999 sqft (0.115 acres) |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Porch | Slab |
| Porch Area | 16 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 49 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 1 BLK B |
| Legal Subdivision | PINE RIDGE |
| Legal Block | B |
| Legal Lot Number | 1 |
| 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 October 21, 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 | 49 PINE RIDGE TRCE, DESTIN, FL 32541-2052 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Oct 5, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Oct 15, 2021 | Deed of Trust, Mortgage · FHA Mortgage TRUSTMARK NATIONAL BANK |
| Oct 22, 2020 | Deed of Trust, Mortgage · FHA Mortgage TRUSTMARK NATIONAL BANK |
| Dec 20, 2018 | Warranty Deed, Transfer · FHA Mortgage TRUSTMARK NATIONAL BANK |
| Jan 23, 2017 | Grant Deed, Transfer SERVICELINK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 20, 2018 · Amount on Record |
| Deed Sale | Dec 20, 2018 · Amount on Record |
| Prior Sale | Jan 23, 2017 · Amount on Record |
| Deed Document Number | 20183249715 |
| Deed Book / Page | 3379 / 611 |
| Last Transfer Date | Jul 30, 2026 |
| Transfer Doc | 0003842184 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Oct 5, 2026 |
| Property Address | 49 PINE RIDGE TRCE, DESTIN, FL 32541-2052 |
| Document Number | 0003842184 |
| Instrument Date | Jul 30, 2026 |
| Instrument | 20263842184 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 49 PINE RIDGE TRCE, DESTIN, FL 32541-2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 49 PINE RIDGE TRCE, DESTIN, FL 32541-2052 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2021 |
| Title Company | MCNEESE TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 49 PINE RIDGE TRCE, DESTIN, FL 32541-2052 |
| Document Number | 0035803822 |
|---|---|
| Date | Oct 15, 2021 |
| Book Page | 3580/3822 |
| Instrument | 3497187 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | JACKSON, MS 39225 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 49 PINE RIDGE TRCE, DESTIN, FL 32541-2052 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 49 PINE RIDGE TRCE, DESTIN, FL 32541-2052 |
| Document Number | 0035002785 |
|---|---|
| Date | Oct 22, 2020 |
| Book Page | 3500/2785 |
| Instrument | 3401288 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | PEARL, MS 39208 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 339 Months |
| Due | Jan 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Dec 20, 2018 |
| Property Address | 49 PINE RIDGE TRCE, DESTIN, FL 32541-2052 |
| Document Number | 0033790611 |
| Book / Page | 3379 / 0611 |
| Map Reference | MB 13 PG 46 |
| Instrument Date | Dec 17, 2018 |
| Instrument | 3249715 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | MCNEESE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,865.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 308 LIRIOPE LOOP, 308, DESTIN, FL 32541-2861 |
| Name | Verified Name |
|---|---|
| Address | 49 PINE RIDGE TRCE, DESTIN, FL 32541-2052 |
| Document Number | 0003249716 |
|---|---|
| Date | Dec 20, 2018 |
| Instrument | 3249716 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jan 23, 2017 |
| Property Address | 49 PINE RIDGE TRCE, DESTIN, FL 32541-2052 |
| Document Number | 0032842677 |
| Book / Page | 003284 / 002677 |
| Instrument Date | Jan 6, 2017 |
| Instrument | 3113488 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2017 |
| Title Company | SERVICELINK |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,072.35 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1014 AIRPORT RD #153 DESTIN FL 325412889, 153, DESTIN, FL 32541-2889 |
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 | $2,344.00 (+6.06%) | $236,987 (+5.99%) | $259,048 (-3.85%) Land $74,195 Building $184,853 |
| 2023 | $2,210.00 (+2.65%) Homeowner's exemption | $223,600 (+3%) | $269,418 (+3.7%) Land $67,321 Building $202,097 |
| 2022 | $2,153.00 Homeowner's exemption | $217,087 | $259,805 Land $61,201 Building $198,604 |
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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