Okaloosa County property record for 5 Pine Ridge Trce, Destin, FL 32541
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 2 ba · 1,174 sqft · built 1984 |
| Lot Size | 0.05 acres (2,199 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $212,000 (Jun 2025) |
| Tax Bill | $408 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Aug 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-0757-5 |
| Primary APN | C56-000-590-0757-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,174 sqft Heated Area |
| Gross Area | 1,342 sqft |
| 1st Floor Area | 596 sqft |
| Upper Floors Area | 578 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1984 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Wood Truss |
| Roof Material | Wood |
| Lot Area | 2,199 sqft (0.05 acres) |
| Porch | Open Porch |
| Porch Area | 12 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 5 PINE RIDGE TRCE |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2090 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | PINE RIDGE TRACE UNIT 5 TOGETHER W/ ADJ AREA VACATED EPA AS PER ORD 24-16-CN #3747485 |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | PINE RIDGE TRACE |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2002 |
| 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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 5 PINE RIDGE TRCE, DESTIN, FL 32541-2090 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage EGLIN FCU |
| Aug 5, 2019 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 3, 2025 · Amount on Record |
| Deed Sale | Jun 3, 2025 · Amount on Record |
| Deed Document Number | 3757374 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 5 PINE RIDGE TRCE, DESTIN, FL 32541-2090 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0035480234 |
|---|---|
| Date | May 20, 2021 |
| Book Page | 3548/234 |
| Instrument | 3456805 |
| Name | EGLIN FCU |
|---|---|
| Type | Credit Union |
| Address | FORT WALTON BEACH, FL 32547 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 5 PINE RIDGE TRCE, DESTIN, FL 32541-2090 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034120381 |
|---|---|
| Date | Aug 5, 2019 |
| Book Page | 3412/0381 |
| Instrument | 3295477 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | SAN FRANCISCO, CA 94108 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 5, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $408.00 (+4.35%) Homeowner's exemption | $70,980 (+5.99%) | $199,476 (-7.49%) Land $70,000 Building $129,476 |
| 2023 | $391.00 (+1.56%) Homeowner's exemption | $66,971 (+3%) | $215,634 (+24.69%) Land $70,000 Building $145,634 |
| 2022 | $385.00 Homeowner's exemption | $65,020 | $172,937 Land $55,000 Building $117,937 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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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