Okaloosa County property record for 8 Moreno Point Rd, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 3,590 sqft · built 2002 |
| Lot Size | 0.491 acres (21,405 sqft) |
| Owner | Company Name on Record |
| Last Sale | $2,300,000 (Dec 2022) |
| Tax Bill | $21,402 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Jun 2022 Transfer + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | C56-000-590-9400-3 |
| Primary APN | C56-000-590-9400-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 3 Stories |
| Building Area | 3,590 sqft Living Area |
| Gross Area | 6,836 sqft |
| 1st Floor Area | 766 sqft |
| Upper Floors Area | 1,355 sqft |
| Flooring | Wood |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Stucco |
| Roof Type | Flat |
| Roof Material | Built-Up Asphalt |
| Lot Area | 21,405 sqft (0.491 acres) |
| Lot Width | 20 ft Width |
| Garage Type | Attached |
| Garage Area | 750 sqft |
| Driveway | Driveway |
| Porch | Open/Unfinished Porch |
|---|---|
| Porch Area | 2,371 sqft |
| Patio Area | 108 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 8 MORENO POINT RD |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3175 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOLIDAY ISLE LOT 9 BLK C |
| Legal Subdivision | HOLIDAY ISLE |
| Legal Block | C |
| Legal Lot Number | 9 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 23303 |
Source: Okaloosa County records, as of December 31, 2025
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 | Company Name on Record |
|---|---|
| Mailing Address | 172 CENTER ST, 202, JACKSON, WY 83001-8700 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Dec 20, 2022 | Warranty Deed, Transfer · Commercial Mortgage GENEVA FINANCIAL LLC |
| Jun 6, 2022 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Nov 5, 2019 | Warranty Deed, Transfer · Conventional Mortgage BBVA USA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 20, 2022 · Amount on Record |
| Deed Sale | Dec 20, 2022 · Amount on Record |
| Prior Sale | Jun 6, 2022 · Amount on Record |
| Deed Document Number | 20223596766 |
| Deed Book / Page | 3655 / 2018 |
| Prior Transfer Date | May 20, 2022 |
| Prior Transfer Doc | 0036254643 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Dec 20, 2022 |
| Property Address | 8 MORENO POINT RD, DESTIN, FL 32541-3175 |
| Document Number | 0036552018 |
| Book / Page | 3655 / 2018 |
| Map Reference | MB 4 PG 29 |
| Instrument Date | Dec 14, 2022 |
| Instrument | 3596766 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2023 |
| Title Company | AQUA TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $16,100.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 73 SILVER LEAF LOOP, PHENIX CITY, AL 36867-7307 |
| Name | Verified Name |
|---|---|
| Address | 172 CENTER ST # 202, 202, JACKSON, WY 83001-8700 |
| Document Number | 0003596767 |
|---|---|
| Date | Dec 20, 2022 |
| Instrument | 3596767 |
| Name | GENEVA FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 6, 2022 |
| Property Address | 8 MORENO POINT RD, DESTIN, FL 32541-3175 |
| Document Number | 0036254643 |
| Book / Page | 3625 / 4643 |
| Map Reference | MB 4 PG 29 |
| Instrument Date | May 20, 2022 |
| Instrument | 3555258 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2206 ST ANDREWS WAY, 2206, PHENIX CITY, AL 36867-7414 |
| Name | Verified Name |
|---|---|
| Address | 8 MORENO POINT RD, DESTIN, FL 32541-3175 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Nov 5, 2019 |
| Property Address | 8 MORENO POINT RD, DESTIN, FL 32541-3175 |
| Document Number | 0034272191 |
| Book / Page | 3427 / 2191 |
| Map Reference | MB 4 PG 29 |
| Instrument Date | Oct 31, 2019 |
| Instrument | 3316192 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | MCNEESE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,540.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 400 KELLY PLANTATION DR UNIT 811, 400, DESTIN, FL 32541-8462 |
| Name | Verified Name |
|---|---|
| Address | 8 MORENO POINT RD, DESTIN, FL 32541-3175 |
| Investor | Possibly a Property Investor |
| Document Number | 0034272193 |
|---|---|
| Date | Nov 5, 2019 |
| Instrument | 3427-2193 |
| Name | BBVA USA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2049 |
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 | $21,402.00 (+2.58%) | $1,807,133 (+3.47%) Land $590,190 Building $1,216,943 | $1,807,133 (+3.47%) Land $590,190 Building $1,216,943 |
| 2023 | $20,863.00 (+33.47%) | $1,746,489 (+24.68%) Land $567,490 Building $1,178,999 | $1,746,489 (+24.68%) Land $567,490 Building $1,178,999 |
| 2022 | $15,631.00 | $1,400,756 Land $409,444 Building $991,312 | $1,400,756 Land $409,444 Building $991,312 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 422 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1,500 units insured incl. 1,078 condo units |
| Nearby Flood Claims | 819 (1980–2024) |
| Claims Outside the SFHA | 261 of 819 |
| Most Recent Claim | Aug 2024 · Hurricane Debby |
| 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 | Not rated no burnable land within 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 164 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 · Fiber in parts of the area | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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