Okaloosa County property record for 809 Harbor Ln, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,813 sqft · built 1977 |
| Lot Size | 0.689 acres (29,997 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $800,000 (Nov 2023) |
| Tax Bill | $8,147 (2025) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-0153-7 |
| Primary APN | C56-000-590-0153-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 3,813 sqft Living Area |
| Gross Area | 5,005 sqft |
| 1st Floor Area | 3,813 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 29,997 sqft (0.689 acres) |
| Lot Width | 150 ft Width |
| Garage Type | Attached |
| Garage Area | 399 sqft |
| Driveway | Driveway |
| Porch | Finished/Open Porch |
| Porch Area | 52 sqft |
| Patio Area | 594 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 809 HARBOR LN |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1807 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MORENO ACRES S/D LOTS 1 BLK H |
| Legal Subdivision | MORENO ACRES S/D |
| Legal Block | H |
| Legal Lot Number | 1 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 23305 |
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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 809 HARBOR LN, DESTIN, FL 32541-1807 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Nov 9, 2023 | Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK |
| Dec 31, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 9, 2023 · Amount on Record |
| Deed Sale | Nov 9, 2023 · Amount on Record |
| Prior Sale | Feb 15, 2001 · Amount on Record |
| Deed Document Number | 20233656836 |
| Prior Transfer Date | Dec 18, 2020 |
| Prior Transfer Doc | 0035154108 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Nov 9, 2023 |
| Property Address | 809 HARBOR LN, DESTIN, FL 32541-1807 |
| Document Number | 0003656836 |
| Map Reference | MB 2 PG 165 |
| Instrument Date | Nov 1, 2023 |
| Instrument | 3656836 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2024 |
| Title Company | BRIGHT LIGHT LAND TITLE COMPANY LLC, BRIGHT LIGHT LAND TTL CO LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,600.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4487 OCEAN VIEW DR, DESTIN, FL 32541-5111 |
| Name | Verified Name |
|---|---|
| Address | 809 HARBOR LN, DESTIN, FL 32541-1807 |
| Document Number | 0003656837 |
|---|---|
| Date | Nov 9, 2023 |
| Instrument | 3656837 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 281 Months |
| Due | Apr 16, 2047 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Dec 31, 2020 |
| Property Address | 809 HARBOR LN, DESTIN, FL 32541-1807 |
| Document Number | 0035154108 |
| Book / Page | 3515 / 4108 |
| Map Reference | MB 2 PG 165 |
| Instrument Date | Dec 18, 2020 |
| Instrument | 3418891 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | EQUITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 809 HARBOR LN, 809, DESTIN, FL 32541-1807 |
| Name | Verified Name |
|---|---|
| Address | 809 HARBOR LN, DESTIN, FL 32541-1807 |
| Document Number | 0035154110 |
|---|---|
| Date | Dec 31, 2020 |
| Instrument | 3515/4110 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
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 | $8,147.00 (+137.18%) | $726,948 (+122.9%) Land $185,619 Building $541,329 | $726,948 (+4.12%) Land $185,619 Building $541,329 |
| 2023 | $3,435.00 (+2.48%) Homeowner's exemption | $326,136 (+3%) | $698,202 (+7.29%) Land $168,422 Building $529,780 |
| 2022 | $3,352.00 Homeowner's exemption | $316,637 | $650,783 Land $153,111 Building $497,672 |
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.
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 156 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 258 units insured incl. 102 condo units |
| Nearby Flood Claims | 65 (1991–2021) |
| Claims Outside the SFHA | 43 of 65 |
| Most Recent Claim | Jun 2021 · other causes |
| 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 | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 220 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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