910 Emerald Bay Dr, Destin, FL 32541 Property Records

Okaloosa County property record for 910 Emerald Bay Dr, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,775 sqft · built 2000
Lot Size	0.241 acres (10,503 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,250,000 (Mar 2026)
Tax Bill	$7,023 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Mar 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-7926-1`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-7926-1`
Alternative APNs	`00-2S-22-102A-000V-0040` `22S200102A000V0040`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,775 sqft Living Area
Gross Area	4,864 sqft
1st Floor Area	2,823 sqft
Upper Floors Area	952 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	10,503 sqft (0.241 acres)
Garage Type	Attached
Garage Area	550 sqft
Porch	Finished/Open Porch
Porch Area	539 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	910 EMERALD BAY DR
City	DESTIN
State	FL
Zip	32541-3745
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EMERALD BAY PH 1-B LOT 4 BLK V
Legal Subdivision	EMERALD BAY PH 1-B
Legal Phase	1
Legal Block	V
Legal Lot Number	4
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 April 9, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	910 EMERALD BAY DR, DESTIN, FL 32541-3745
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2023	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Mar 27, 2026	Warranty Deed, Transfer · Conventional Mortgage RAYMOND JAMES BANK NA
Jul 15, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 10, 2019	Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2026 · Amount on Record
Deed Sale	Mar 27, 2026 · Amount on Record
Prior Sale	Oct 10, 2019 · Amount on Record
Deed Document Number	20263806957
Prior Transfer Date	Apr 15, 2003
Prior Transfer Doc	0002012300
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	910 EMERALD BAY DR, DESTIN, FL 32541-3745
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	910 EMERALD BAY DR, DESTIN, FL 32541-3745

Mortgage

Document Number	0036882979
Date	Aug 21, 2023
Book Page	3688/2979
Instrument	3642593

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	231 Months
Due	Nov 21, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 27, 2026
Property Address	910 EMERALD BAY DR, DESTIN, FL 32541-3745
Document Number	0003806957
Map Reference	MB 13 PG 8&9
Instrument Date	Mar 25, 2026
Instrument	3806957
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	EMERALD COAST TITLE SERVICES INC, EMERALD COAST TTL SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 CARAVEL CIR, MC CORMICK, SC 29835-3221

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	910 EMERALD BAY DR, DESTIN, FL 32541-3745

Mortgage

Document Number	0003806958
Date	Mar 27, 2026
Instrument	3806958

Lender

Name	RAYMOND JAMES BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Apr 1, 2031
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	6.87%
Index	1-Year CMT
Max Rate	9.87%

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 15, 2020
Property Address	910 EMERALD BAY DR, DESTIN, FL 32541-3745
Document Number	0034753017
Book / Page	003475 / 003017
Instrument Date	Jul 9, 2020
Instrument	3373459
Transaction Type	Transfer
Record Updated	Aug 21, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	910 EMERALD BAY DR DESTIN FL 325413745, DESTIN, FL 32541-3745

October 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 10, 2019
Property Address	910 EMERALD BAY DR, DESTIN, FL 32541-3745
Document Number	0034231850
Book / Page	3423 / 1850
Map Reference	MB 13 PG 8
Instrument Date	Sep 30, 2019
Instrument	3310422
Transaction Type	Transfer
Record Updated	Jul 12, 2022
Title Company	SOUTHTRUST LAW & TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,780.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6300 W OVERLAND RD, 6300, MERIDIAN, ID 83642-6416

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4565 WOODWIND DR, DESTIN, FL 32541-3674

Mortgage

Document Number	0034231852
Date	Oct 10, 2019
Instrument	3423-1852

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2034

Tax Assessment & Valuation

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	$7,023.00 (+5.13%) Homeowner's exemption	$705,437 (+5.99%)	$1,023,650 (-5.59%) Land $163,225 Building $860,425
2023	$6,680.00 (+2.16%) Homeowner's exemption	$665,588 (+3%)	$1,084,300 (+14.78%) Land $135,004 Building $949,296
2022	$6,539.00 Homeowner's exemption	$646,202	$944,717 Land $122,731 Building $821,986

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 2000) 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.

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