974 Emerald Bay Dr, Destin, FL 32541 Property Records

Okaloosa County property record for 974 Emerald Bay Dr, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,068 sqft · built 1994
Lot Size	0.302 acres (13,169 sqft)
Owner	Individual Name on Record
Last Sale	$878,000 (Apr 2021)
Tax Bill	$8,274 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Apr 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-7930-3`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-7930-3`
Alternative APNs	`00-2S-22-102A-000V-0080` `22S200102A000V0080`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	3,068 sqft Living Area
Gross Area	3,923 sqft
1st Floor Area	3,068 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	13,169 sqft (0.302 acres)
Garage Type	Attached
Garage Area	640 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	215 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	974 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 8 BLK V
Legal Subdivision	EMERALD BAY PH 1-B
Legal Phase	1
Legal Block	V
Legal Lot Number	8
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 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	Individual Name on Record
Mailing Address	PO BOX 6400, MIRAMAR BEACH, FL 32550-1004
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2021	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK
Apr 27, 2021	Warranty Deed, Transfer MCNEESE TITLE LLC
May 5, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Nov 15, 2017	Warranty Deed, Transfer PRIME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2021 · Amount on Record
Deed Sale	Apr 27, 2021 · Amount on Record
Prior Sale	Nov 15, 2017 · Amount on Record
Deed Document Number	20213449959
Deed Book / Page	3542 / 1722
Prior Transfer Date	Apr 29, 2020
Prior Transfer Doc	0034600939
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	974 EMERALD BAY DR, DESTIN, FL 32541-3745
Transaction Type	Mortgage
Record Updated	Sep 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	974 EMERALD BAY DR, DESTIN, FL 32541-3745

Mortgage

Document Number	0035713270
Date	Sep 3, 2021
Book Page	3571/3270
Instrument	3485992

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	FULTON, KY 42041

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Aug 30, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 27, 2021
Property Address	974 EMERALD BAY DR, DESTIN, FL 32541-3745
Document Number	0035421722
Book / Page	3542 / 1722
Map Reference	MB 13 PG 8&9
Instrument Date	Apr 20, 2021
Instrument	3449959
Transaction Type	Transfer
Record Updated	May 25, 2021
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$6,146.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1424 REUNION PARK DR, 1424, APEX, NC 27539-6875

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 6400, MIRAMAR BEACH, FL 32550-1004

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	May 5, 2020
Property Address	974 EMERALD BAY DR, DESTIN, FL 32541-3745
Document Number	0034600939
Book / Page	3460 / 939
Map Reference	MB 13 PG 8&9
Instrument Date	Apr 29, 2020
Instrument	3355966
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	SILK ABSTRACT COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	974 EMERALD BAY DR, DESTIN, FL 32541-3745

Mortgage

Document Number	0003460942
Date	May 5, 2020
Instrument	3460/942

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 15, 2017
Property Address	974 EMERALD BAY DR, DESTIN, FL 32541-3745
Document Number	0033260355
Book / Page	003326 / 000355
Instrument Date	Nov 10, 2017
Instrument	3172451
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,955.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4961 LADY OF THE LAKE DR RALEIGH NC 276123079, RALEIGH, NC 27612-3079

Mortgage

Document Number	33260357
Date	Nov 15, 2017
Book Page	003326/000357
Instrument	3172452

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 14, 2047

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	$8,274.00 (-3.69%)	$786,772 (-2.66%) Land $179,548 Building $607,224	$786,772 (-2.66%) Land $179,548 Building $607,224
2023	$8,591.00 (+5.8%)	$808,260 (+6.85%) Land $135,004 Building $673,256	$808,260 (+6.85%) Land $135,004 Building $673,256
2022	$8,120.00	$756,466 Land $122,731 Building $633,735	$756,466 Land $122,731 Building $633,735

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 500 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 1994) 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 95% of the US · lower than 95% 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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