876 Emerald Bay Dr, Destin, FL 32541 Property Records

Okaloosa County property record for 876 Emerald Bay Dr, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,553 sqft · built 2004
Lot Size	0.264 acres (11,506 sqft)
Owner	2 Individual Names on File
Last Sale	$415,000 (Jul 2017)
Tax Bill	$4,174 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-7924-6`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-7924-6`
Alternative APNs	`00-2S-22-102A-000V-0020` `22S200102A000V0020`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,553 sqft Living Area
Gross Area	3,399 sqft
1st Floor Area	2,553 sqft
Flooring	Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Stucco
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	11,506 sqft (0.264 acres)
Garage Type	Attached
Garage Area	440 sqft
Pool Type	Spa / Hot Tub (No Pool)
Porch	Florida Room
Porch Area	406 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	876 EMERALD BAY DR
City	DESTIN
State	FL
Zip	32541-5802
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EMERALD BAY PH 1-B LOT 2 BLK V
Legal Subdivision	EMERALD BAY PH 1-B
Legal Phase	1
Legal Block	V
Legal Lot Number	2
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2001
Census Tract	23308

Owner

876 Emerald Bay Dr is owned and occupied by two individuals who bought it in July 2017.

Source: Okaloosa County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	876 EMERALD BAY DR, DESTIN, FL 32541-5802
Occupancy	Owner Occupied
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
Aug 26, 2020	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE ONE OF THE SOUTH INC
Jul 7, 2017	Warranty Deed, Transfer · Conventional with PMI BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2017 · Amount on File
Deed Sale	Jul 7, 2017 · Amount on File
Prior Sale	Sep 25, 2013 · Amount on File
Deed Document Number	20173146053
Deed Book / Page	3307 / 2345
Prior Transfer Date	Jul 19, 2007
Prior Transfer Doc	0027973061
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 26, 2020
Property Address	876 EMERALD BAY DR, DESTIN, FL 32541-5802
Document Number	0034863620
Book / Page	3486 / 3620
Map Reference	MB 13 PG 8&9
Instrument Date	Aug 20, 2020
Instrument	3385386
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,499.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	724 GLACIER PASS, 724, WESTERVILLE, OH 43081-1296

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	876 EMERALD BAY DR, DESTIN, FL 32541-5802

Mortgage

Document Number	0034863622
Date	Aug 26, 2020
Instrument	3486/3622

Lender

Name	MORTGAGE ONE OF THE SOUTH INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2040

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 7, 2017
Property Address	876 EMERALD BAY DR, DESTIN, FL 32541-5802
Document Number	0033072345
Book / Page	003307 / 002345
Instrument Date	Jul 5, 2017
Instrument	3146053
Transaction Type	Transfer
Record Updated	Nov 20, 2017
Title Company	AQUA TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,905.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	876 EMERALD BAY DR DESTIN FL 325415802, DESTIN, FL 32541-5802

Mortgage

Document Number	33072347
Date	Jul 7, 2017
Book Page	003307/002347
Instrument	3146054

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 6, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 876 Emerald Bay Dr was $4,174 with a homeowner's exemption.

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,174.00 Homeowner's exemption	$434,533	$714,326 Land $163,225 Building $551,101
2023	$3,963.00 (+2.27%) Homeowner's exemption	$409,987 (+3%)	$695,856 (+7.21%) Land $135,004 Building $560,852
2022	$3,875.00 Homeowner's exemption	$398,046	$649,076 Land $122,731 Building $526,345

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

Flood

FEMA maps place 876 Emerald Bay Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (1995–2018)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2018 · other causes

Coastal Barrier Resources

Source: USFWS Coastal Barrier Resources System, as of December 19, 2024

Coastal Barrier Resources System	Yes
Unit	P32 “Moreno Point”
Unit Type	System Unit
Designated	Oct 18, 1982
NFIP Eligibility	Not eligible (built 2004) built after the Oct 1, 1983 cutoff · private flood insurance only

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 876 Emerald Bay Dr is low, with 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	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	SOUTH WALTON UTILITY COMPANY private · serves 26,668 people · EPA ID FL1660615
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	3 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 221 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 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Wildstar Networks.

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