813 Pine St, Destin, FL 32541 Property Records

Okaloosa County property record for 813 Pine St, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,373 sqft · built 2020
Lot Size	0.124 acres (5,400 sqft)
Owner	Company Name on Record
Last Sale	$368,000 (May 2022)
Tax Bill	$6,184 (2025)
Deeds & Mortgages	May 2022 Sale Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-001-072-5470-8`

Property Details

APN / Parcel Number

Primary APN	`C56-001-072-5470-8`
Alternative APNs	`00-2S-22-1005-0000-0050` `22S200100500000050`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,373 sqft Living Area
Gross Area	2,765 sqft
1st Floor Area	1,540 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,400 sqft (0.124 acres)
Lot Dimensions	100 ft deep x 54 ft wide
Porch	Finished/Open Porch
Porch Area	224 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	813 PINE ST
City	DESTIN
State	FL
Zip	32541-1516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTHERN SHORES COTTAGES LOT 5 & ADJ NORTHERLY 20FT VACATED R/W PINE ST AS PER ORD 17-05-CN #3736031
Legal Subdivision	SOUTHERN SHORES
Legal Lot Number	5
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2005
Census Tract	23306

Owner

Source: Okaloosa County records, as of April 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 145, DESTIN, FL 32540-0145
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
May 4, 2022	Warranty Deed, Transfer MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE
Jul 20, 2020	Warranty Deed, Transfer · Conventional Mortgage PENTAGON FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2022 · Amount on Record
Deed Sale	May 4, 2022 · Amount on Record
Prior Sale	Jul 20, 2020 · Amount on Record
Deed Document Number	20223547654
Deed Book / Page	3620 / 841
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 4, 2022
Property Address	813 PINE ST, DESTIN, FL 32541-1516
Document Number	0036200841
Book / Page	3620 / 841
Map Reference	MB 27 PG 18
Instrument Date	May 2, 2022
Instrument	3547654
Transaction Type	Transfer
Record Updated	May 30, 2022
Title Company	MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE

Transaction

Amount	Amount Recorded
Tax	$2,576.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	813 PINE ST, 813, DESTIN, FL 32541-1516

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 145, DESTIN, FL 32540-0145

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 20, 2020
Property Address	813 PINE ST, DESTIN, FL 32541-1516
Document Number	0034763475
Book / Page	3476 / 3475
Map Reference	MB 27 PG 18
Instrument Date	Jun 16, 2020
Instrument	3374555
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 145, DESTIN, FL 32540-0145

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	813 PINE ST, DESTIN, FL 32541-1516

Mortgage

Document Number	0034763479
Date	Jul 20, 2020
Instrument	3476/3479

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 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	$6,184.00 (+1.95%)	$522,214 (+2.83%) Land $117,499 Building $404,715	$522,214 (+2.83%) Land $117,499 Building $404,715
2023	$6,066.00 (+14.95%)	$507,821 (+7.31%) Land $106,613 Building $401,208	$507,821 (+7.31%) Land $106,613 Building $401,208
2022	$5,277.00	$473,234 Land $96,921 Building $376,313	$473,234 Land $96,921 Building $376,313

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

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 97% of the US · lower than 96% of Florida
Wildfire Likelihood	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.

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 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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