894 Emerald Bay Dr, Destin, FL 32541 Property Records

Okaloosa County property record for 894 Emerald Bay Dr, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,318 sqft · built 2018
Lot Size	0.25 acres (10,896 sqft)
Owner	2 Company Names on File
Last Sale	$1,340,000 (Sep 2023)
Tax Bill	$10,783 (2025)
Deeds & Mortgages	Sep 2023 Sale Oct 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-7925-3`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-7925-3`
Alternative APN	`00-2S-22-102A-000V-0030`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,318 sqft Heated Area
Gross Area	4,412 sqft
1st Floor Area	3,318 sqft
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Masonite/Cement Shake
Lot Area	10,896 sqft (0.25 acres)
Garage Type	Finished
Garage Area	718 sqft
Porch	Open Porch
Porch Area	376 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	894 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 3 BLK V
Legal Range	22
Legal Township	02S
Legal Subdivision	EMERALD BAY PH I-B
Legal Phase	1
Legal Block	V
Legal Lot Number	3
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2001
Census Tract	23308

Owner

Source: Okaloosa County records, as of December 8, 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 File
Co-owner	Co-owner on File
Mailing Address	894 EMERALD BAY DR, DESTIN, FL 32541-5802
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2023	Warranty Deed, Transfer PRIORITY TITLE
Oct 27, 2022	Warranty Deed, Transfer RODGERS-KIEFER TITLE, RODGERS KIEFER TITLE
May 20, 2019	Warranty Deed, Subdivision Related Transfer MEAD LAW AND TITLE, MEAD LAW & TITLE

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Sep 12, 2023 · Amount on File
Deed Sale	Sep 12, 2023 · Amount on File
Prior Sale	Sep 12, 2023 · Amount on File
Deed Document Number	0036911898
Deed Book / Page	3691 / 1898
Last Transfer Date	Dec 12, 2024
Transfer Doc	0003727809
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 12, 2023
Property Address	894 EMERALD BAY DR, DESTIN, FL 32541
Document Number	0036911898
Book / Page	3691 / 1898
Map Reference	MB 13 PG 8&9
Instrument Date	Sep 11, 2023
Instrument	3646663
Transaction Type	Transfer
Record Updated	Sep 26, 2023
Title Company	PRIORITY TITLE

Transaction

Amount	Amount on Record
Tax	$9,380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	894 EMERALD BAY DR, DESTIN, FL 32541

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	894 EMERALD BAY DR, DESTIN, FL 32541

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 27, 2022
Property Address	894 EMERALD BAY DR, DESTIN, FL 32541
Document Number	0036484486
Book / Page	3648 / 4486
Map Reference	MB 13 PG 8&9
Instrument Date	Oct 27, 2022
Instrument	3587602
Transaction Type	Transfer
Record Updated	Nov 21, 2022
Title Company	RODGERS-KIEFER TITLE, RODGERS KIEFER TITLE

Transaction

Amount	Amount on Record
Tax	$8,743.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	622 CHOCTAW DR, 622, DESTIN, FL 32541

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	894 EMERALD BAY DR, DESTIN, FL 32541

May 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 20, 2019
Property Address	894 EMERALD BAY DR, DESTIN, FL 32541
Document Number	0033994149
Book / Page	003399 / 004149
Instrument Date	May 17, 2019
Instrument	3278734
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 6, 2019
Title Company	MEAD LAW AND TITLE, MEAD LAW & TITLE

Transaction

Amount	Amount on Record
Tax	$5,495.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10480 THICKET TRL DOYLESTOWN OH 442309627, DOYLESTOWN, OH 44230-9627

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 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	$10,783.00 (+3.13%) Homeowner's exemption	$1,062,997 (+4.14%) Land $163,225 Building $899,772	$1,062,997 (-3.65%) Land $163,225 Building $899,772
2023	$10,456.00 (+8.83%) Homeowner's exemption	$1,020,780 (+9.52%)	$1,103,303 (+18.37%) Land $135,004 Building $968,299
2022	$9,608.00 Homeowner's exemption	$932,069 Land $122,731 Building $809,338	$932,069 Land $122,731 Building $809,338

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
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 2018) 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

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.

Nearby Properties on Emerald Bay Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures