Okaloosa County property record for 679 Emerald Bay Dr, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,519 sqft · built 2003 |
| Lot Size | 0.151 acres (6,599 sqft) |
| Owner | Trust Name on File |
| Last Sale | $900,000 (Sep 2022) |
| Tax Bill | $7,629 (2025) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage Jul 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-7890-9 |
| Primary APN | C56-000-589-7890-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,519 sqft Heated Area |
| Gross Area | 3,437 sqft |
| 1st Floor Area | 1,816 sqft |
| Upper Floors Area | 703 sqft |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Clay Tile |
| Lot Area | 6,599 sqft (0.151 acres) |
| Garage Type | Finished |
| Garage Area | 634 sqft |
| Porch | Finished/Screened Porch |
| Porch Area | 284 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 679 EMERALD BAY DR |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-5815 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EMERALD BAY PH 1-B LOT 3 BLK T |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | EMERALD BAY PH I-B |
| Legal Phase | 1 |
| Legal Block | T |
| Legal Lot Number | 3 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 23308 |
679 Emerald Bay Dr is owner-occupied and held in a trust since November 2024.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | Trust Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 679 EMERALD BAY DR, DESTIN, FL 32541-5815 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 30, 2022 | Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK |
| Jul 14, 2020 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS |
| Nov 30, 2018 | Deed of Trust, Mortgage · Line of Credit IBERIABANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2022 · Amount on File |
| Deed Sale | Sep 30, 2022 · Amount on File |
| Prior Sale | Sep 30, 2022 · Amount on File |
| Deed Document Number | 0036451247 |
| Deed Book / Page | 3645 / 1247 |
| Last Transfer Date | Nov 7, 2024 |
| Transfer Doc | 0003721301 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 30, 2022 |
| Property Address | 679 EMERALD BAY DR, DESTIN, FL 32541-5815 |
| Document Number | 0036451247 |
| Book / Page | 3645 / 1247 |
| Map Reference | MB 13 PG 8&9 |
| Instrument Date | Sep 30, 2022 |
| Instrument | 3582200 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2023 |
| Title Company | EMERALD COAST TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,300.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3106 PERSIMMON DR, TALLAHASSEE, FL 32312-5800 |
| Name | Verified Name |
|---|---|
| Address | 2233 CRYSTAL COVE LN, MIRAMAR BEACH, FL 32550-8511 |
| Document Number | 0036451249 |
|---|---|
| Date | Sep 30, 2022 |
| Book Page | 3645/1249 |
| Instrument | 3582201 |
| Name | NORTHPOINTE BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 14, 2020 |
| Property Address | 679 EMERALD BAY DR, DESTIN, FL 32541-5815 |
| Document Number | 0034752409 |
| Book / Page | 003475 / 002409 |
| Instrument Date | Jul 9, 2020 |
| Instrument | 3373323 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,060.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15754 COOL SPRING DR HAYMARKET VA 201695419, HAYMARKET, VA 20169-5419 |
| Document Number | 34752411 |
|---|---|
| Date | Jul 14, 2020 |
| Book Page | 003475/002411 |
| Instrument | 3373324 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 13, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 679 EMERALD BAY DR, DESTIN, FL 32541-5815 |
| Document Number | 0033783996 |
| Instrument Date | Nov 30, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 679 EMERALD BAY DR DESTIN FL 325415815, DESTIN, FL 32541-5815 |
| Document Number | 0033783996 |
|---|---|
| Date | Dec 18, 2018 |
| Book Page | 003378/003996 |
| Instrument | 3249239 |
| Name | IBERIABANK |
|---|---|
| Type | Bank |
| Address | FAIRHOPE, AL 36532 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 17, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 679 Emerald Bay Dr was $7,629 with a homeowner's exemption.
Source: Okaloosa County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,629.00 Homeowner's exemption | $763,023 Land $163,225 Building $599,798 | $763,023 Land $163,225 Building $599,798 |
| 2023 | $8,121.00 (+71.08%) Homeowner's exemption | $763,989 (+59.41%) Land $135,004 Building $628,985 | $763,989 (+19.35%) Land $135,004 Building $628,985 |
| 2022 | $4,747.00 Homeowner's exemption | $479,274 | $640,107 Land $122,731 Building $517,376 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 679 Emerald Bay Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1995.
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 3 (1995–2018) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Sep 2018 · other causes |
Source: USFWS Coastal Barrier Resources System, as of December 19, 2024
| Coastal Barrier Resources System | Yes |
|---|---|
| Unit | P32 “Moreno Point” |
| Unit Type | System Unit |
| Designated | Oct 18, 1982 |
| NFIP Eligibility | Not eligible (built 2003) built after the Oct 1, 1983 cutoff · private flood insurance only |
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 risk around 679 Emerald Bay Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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 | SOUTH WALTON UTILITY COMPANY private · serves 26,668 people · EPA ID FL1660615 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Lead | 3 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 225 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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