Okaloosa County property record for 795 Pine St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,518 sqft · built 1994 |
| Lot Size | 0.184 acres (7,996 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,663 (2025) |
| Deeds & Mortgages | Feb 2024 Second Mortgage Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-2504-9 |
| Primary APN | C56-000-590-2504-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,518 sqft Living Area |
| Gross Area | 3,266 sqft |
| 1st Floor Area | 2,518 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 7,996 sqft (0.184 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Porch | Florida Room |
| Porch Area | 286 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 795 PINE ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1578 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIDGE WOOD MANOR LOT 16 BLK A |
| Legal Subdivision | RIDGE WOOD MANOR |
| Legal Block | A |
| Legal Lot Number | 16 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 23306 |
795 Pine St is owned and occupied by two individuals who acquired it in April 2005.
Source: Okaloosa County records, as of August 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 795 PINE ST, DESTIN, FL 32541-1578 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 5, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Aug 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Apr 17, 2017 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 20, 2005 |
| Transfer Doc | 0026143911 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 795 PINE ST, DESTIN, FL 32541-1578 |
| Transaction Type | Mortgage |
| Record Updated | Feb 29, 2024 |
| Name | Verified Name |
|---|---|
| Address | 795 PINE ST, DESTIN, FL 32541-1578 |
| Document Number | 0003669305 |
|---|---|
| Date | Feb 5, 2024 |
| Instrument | 3669305 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Feb 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 795 PINE ST, DESTIN, FL 32541-1578 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034854722 |
|---|---|
| Date | Aug 24, 2020 |
| Book Page | 3485/4722 |
| Instrument | 3384627 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 795 PINE ST, DESTIN, FL 32541-1578 |
| Document Number | 0032963334 |
| Book / Page | 003296 / 003334 |
| Instrument Date | Apr 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 795 PINE ST DESTIN FL 325411578, DESTIN, FL 32541-1578 |
| Document Number | 0032963334 |
|---|---|
| Date | Apr 25, 2017 |
| Book Page | 003296/003334 |
| Instrument | 3130990 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 24, 2047 |
The 2025 property tax bill for 795 Pine St was $2,663 with a homeowner's exemption.
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 | $2,663.00 Homeowner's exemption | $263,964 | $506,491 Land $118,750 Building $387,741 |
| 2023 | $2,514.00 (+2.61%) Homeowner's exemption | $249,053 (+3%) | $496,103 (+7.27%) Land $107,748 Building $388,355 |
| 2022 | $2,450.00 Homeowner's exemption | $241,799 | $462,492 Land $97,953 Building $364,539 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 795 Pine 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 |
|
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 795 Pine St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% 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 244 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 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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