1. Home
  2. Florida
  3. Okaloosa County
  4. Destin
  5. Hwy 98 E

979 Hwy 98 E, Destin, FL 32541 Property Records

Okaloosa County property record for 979 Hwy 98 E, Destin, FL 32541

Property Summary

Property TypeCommunity Shopping Center, Mini-Mall
Details14,620 sqft · built 2000
Lot Size1.89 acres (82,315 sqft)
Owner2 Company Names on Record
Last Sale$11,000,000 (Jun 2013)
Tax Bill$33,957 (2025)
Deeds & MortgagesOct 2017 Loan Modification
Aug 2017 Loan Modification
Flood ZoneZone X (minimal risk)
APNC56-000-589-4112-1

Property Details

APN / Parcel Number

Primary APNC56-000-589-4112-1
Alternative APN
  • 00-2S-22-0098-0000-0020

Interior

Plumbing Fixtures44 Plumbing Fixtures
Total Rooms21 Rooms
Units5 Units
Stories1 Story
Building Area14,620 sqft Total Area
1st Floor Area11,700 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2000
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Fire ResistanceMasonry Walls, Wood Interior
Roof TypeMansard
Roof MaterialMasonite/Cement Shake
Lot Area82,315 sqft (1.89 acres)
Lot Width326 ft Width
PorchOpen Porch
Porch Area2,900 sqft
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemForced Air

Location & Zoning

Street Address979 HIGHWAY 98 E
CityDESTIN
StateFL
Zip32541-2844
Property CategoryCommercial
Property TypeCommercial > Retail > Community Shopping Center, Mini-Mall
Legal Description98 PALMS II PART OF LOT 2 DES AS: COM SE COR LOT 6 BLK J 2ND EAST PASS ADD TO DESTIN S76 DEG E ALG N R/W HWY 98 500FT N13 DEG
Legal Range22
Legal Township02S
Legal SubdivisionEAST PASS ADD
Legal BlockJ
Legal Lot Number2
JurisdictionOKALOOSA FL
Township / Civil DivisionFORT WALTON BEACH
Census Block Group2
Census Block2024
Census Tract23305

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 Record2 Company Names on Record
Co-ownerCo-owner on Record
Mailing Address121 KING ST W SUITE 200 TORONTO ON M5H-3T9, 200, ON
Owner TypeCompany, Secondary Individual

Deeds, Mortgages & Sale History

DateDocument
Oct 26, 2017Loan Modification, Mortgage
MISCELLANEOUS INS CO
Aug 31, 2017Loan Modification, Mortgage
MISCELLANEOUS INS CO

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 14, 2013 · Amount on Record
Deed SaleJun 14, 2013 · Amount on Record
Deed Document Number0003101613
Record UpdatedJun 8, 2026

October 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOKALOOSA FL
Property Address979 HIGHWAY 98 E, DESTIN, FL 32541-2844
Document Number0033244396
Book / Page003324 / 004396
Instrument DateOct 26, 2017
Transaction TypeMortgage
Record UpdatedJan 3, 2018
Title CompanyFIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address979-981 HIGHWAY 98 E DESTIN FL 325412844, DESTIN, FL 32541-2844

Mortgage

Document Number0033244396
DateNov 6, 2017
Book Page003324/004396
Instrument3170740
Lender
NameMISCELLANEOUS INS CO
Agreement
AmountAmount Recorded

August 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOKALOOSA FL
Property Address979 HIGHWAY 98 E, DESTIN, FL 32541-2844
Document Number0033154734
Book / Page003315 / 004734
Instrument DateAug 31, 2017
Transaction TypeMortgage
Record UpdatedJan 3, 2018
Title CompanyFIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Partnership
Address121 KING ST W STE 200

Mortgage

Document Number0033154734
DateSep 1, 2017
Book Page003315/004734
Instrument3157703
Lender
NameMISCELLANEOUS INS CO
Address1 SAMMONS PLZ, SIOUX FALLS, SD 57193-1001
Agreement
AmountAmount Recorded

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
MunicipalityDestin City
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$33,957.00 (+17%)$3,205,172 (+12.21%) Land $2,454,637 Building $750,535$3,205,172 (+12.21%) Land $2,454,637 Building $750,535
2023$29,023.00 (+6.04%)$2,856,317 (+4.83%) Land $2,224,950 Building $631,367$2,856,317 (+4.83%) Land $2,224,950 Building $631,367
2022$27,369.00$2,724,641 Land $2,119,000 Building $605,641$2,724,641 Land $2,119,000 Building $605,641

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 100 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies100 in force
Nearby Flood Claims29 (1995–2021)
Claims Outside the SFHA25 of 29
Most Recent ClaimApr 2021 · other causes
Claims by Event
  • Hurricane Dennis, Jul 2005 · 5 claims
  • Hurricane Frances, Sep 2004 · 7 claims
  • Hurricane Georges, Sep 1998 · 7 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 RiskNot rated
no burnable land within 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 SystemDESTIN WATER USERS, INC.
private · serves 31,752 people · EPA ID FL1460202
Water SourceGroundwater
Last State InspectionJan 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 135 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
LiveOak Fiber
Fiber		5,000 / 5,000
Cox Communications
Cable · Fiber in parts of the area		2,000 / 35
Starlink
Satellite		280 / 30
AT&T
Fixed Wireless		100 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: Verizon.

Nearby Properties on Hwy 98 E

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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