707 Forest St, Destin, FL 32541 Property Records

Okaloosa County property record for 707 Forest St, Destin, FL 32541

Property Summary

Property Type	Townhouse
Details	3 bd · 2 ba · 1,550 sqft · built 1998
Lot Size	0.16 acres (6,999 sqft)
Owner	Individual Name on Record
Last Sale	$428,500 (Oct 2024)
Tax Bill	$3,960 (2025)
Deeds & Mortgages	Apr 2018 Sale & Construction Loan Feb 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-5587-3`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-5587-3`
Alternative APN	`00-2S-22-0518-0000-0040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,550 sqft Heated Area
Gross Area	2,066 sqft
1st Floor Area	1,550 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	6,999 sqft (0.16 acres)
Garage Type	Finished
Garage Area	391 sqft
Porch	Open Porch
Porch Area	625 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	707 FOREST ST
City	DESTIN
State	FL
Zip	32541-1569
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	EMERALD OAKS T/H LOT 4
Legal Range	22
Legal Township	02S
Legal Subdivision	EMERALD OAKS T/H
Legal Lot Number	4
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2008
Census Tract	23306

Owner

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	713 FOREST ST, DESTIN, FL 32541-1569
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2018	Warranty Deed, Construction Loan · Construction Mortgage FIRST FL BK
Feb 14, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2024 · Amount on Record
Deed Sale	Oct 4, 2024 · Amount on Record
Prior Sale	Apr 30, 2018 · Amount on Record
Deed Document Number	3714795
Record Updated	Jun 8, 2026

April 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 30, 2018
Property Address	707 FOREST ST, DESTIN, FL 32541-1569
Document Number	0033473969
Book / Page	003347 / 003969
Instrument Date	Apr 25, 2018
Instrument	3203651
Transaction Type	Construction Loan
Record Updated	May 10, 2018
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,609.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	232 DIAMOND CV DESTIN FL 325415124, DESTIN, FL 32541-5124

Mortgage

Document Number	33473971
Date	Apr 30, 2018
Book Page	003347/003971
Instrument	3203652

Lender

Name	FIRST FL BK
Type	Bank
Address	DESTIN, FL 32540

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 29, 2019

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 14, 2018
Property Address	707 FOREST ST, DESTIN, FL 32541-1569
Document Number	0033371353
Book / Page	003337 / 001353
Instrument Date	Feb 13, 2018
Instrument	3188421
Transaction Type	Transfer
Record Updated	Feb 23, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	707 FOREST FOREST ST DESTIN FL 32541, DESTIN, FL 32541

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 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	$3,960.00	$334,435 (+73.96%) Land $80,000 Building $254,435	$334,435 (+9.19%) Land $80,000 Building $254,435
2023	Homeowner's exemption Disabled Person's exemption	$192,243	$306,279 Land $45,000 Building $261,279

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.

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 76 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	136 units insured incl. 60 condo units
Nearby Flood Claims	95 (1994–2020)
Claims Outside the SFHA	64 of 95
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Frances, Sep 2004 · 18 claims Hurricane Georges, Sep 1998 · 16 claims Hurricane Opal, Oct 1995 · 45 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	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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 139 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Starlink Satellite	280 / 30
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: LiveOak Fiber, T-Mobile, Verizon.

Nearby Properties on Forest St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures