709 Forest St, Destin, FL 32541 Property Records

Okaloosa County property record for 709 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 File
Last Sale	$420,000 (Dec 2024)
Tax Bill	$3,906 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-5588-1`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-5588-1`
Alternative APN	`00-2S-22-0518-0000-0050`

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

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	709 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 5
Legal Range	22
Legal Township	02S
Legal Subdivision	EMERALD OAKS T/H
Legal Lot Number	5
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2008
Census Tract	23306

Owner

709 Forest St, a townhouse, is owned by an individual who bought it in December 2024.

Source: Okaloosa County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	29030 LAKE HOUSTON LN, HUFFMAN, TX 77336-2572
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LN SERVICING
Jan 10, 2017	Warranty Deed, Transfer · VA Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2024 · Amount on File
Deed Sale	Dec 4, 2024 · Amount on File
Prior Sale	Jan 10, 2017 · Amount on File
Deed Document Number	3726292
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	709 FOREST ST, DESTIN, FL 32541-1569
Document Number	0034763169
Instrument Date	Jun 25, 2020
Transaction Type	Mortgage
Record Updated	Aug 25, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 FOREST ST #5 DESTIN FL 325411569, 5, DESTIN, FL 32541-1569

Mortgage

Document Number	0034763169
Date	Jul 20, 2020
Book Page	003476/003169
Instrument	3374482

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 19, 2050

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 10, 2017
Property Address	709 FOREST ST, DESTIN, FL 32541-1569
Document Number	0032831128
Book / Page	003283 / 001128
Instrument Date	Jan 5, 2017
Instrument	3111533
Transaction Type	Transfer
Record Updated	Jan 24, 2017

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,421.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 BIRCH ST SE #203 FORT WALTON BEACH FL 325485554, 203, FORT WALTON BEACH, FL 32548-5554

Mortgage

Document Number	32831130,
Date	Jan 10, 2017
Book Page	003283/001130
Instrument	3111534

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 9, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 709 Forest St was $3,906.

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	$3,906.00	$329,802 Land $80,000 Building $249,802	$329,802 Land $80,000 Building $249,802
2023	$3,072.00 (+7.56%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$300,732 (+19.53%) Land $45,000 Building $255,732	$300,732 (+19.53%) Land $45,000 Building $255,732
2022	$2,856.00	$251,600 Land $45,000 Building $206,600	$251,600 Land $45,000 Building $206,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 709 Forest St in Zone X, an area of minimal flood risk, though there have been 95 flood claims nearby since 1994.

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 File 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

Wildfire risk around 709 Forest St is low, with a 0.02% annual chance of 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.

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