Okaloosa County property record for 992 Emerald Bay Dr, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,218 sqft · built 1999 |
| Lot Size | 0.362 acres (15,764 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $8,756 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | C56-000-589-7932-9 |
| Primary APN | C56-000-589-7932-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,218 sqft Living Area |
| Gross Area | 4,868 sqft |
| 1st Floor Area | 2,182 sqft |
| Upper Floors Area | 1,036 sqft |
| Flooring | Tile |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Concrete |
| Lot Area | 15,764 sqft (0.362 acres) |
| Lot Width | 50 ft Width |
| Garage Type | Attached |
| Garage Area | 584 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 631 sqft |
| Patio Area | 435 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 992 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 10 BLK V |
| Legal Subdivision | EMERALD BAY PH 1-B |
| Legal Phase | 1 |
| Legal Block | V |
| Legal Lot Number | 10 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 23308 |
992 Emerald Bay Dr is owned and occupied by two individuals.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 992 EMERALD BAY DR, DESTIN, FL 32541-3745 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 992 EMERALD BAY DR, DESTIN, FL 32541-3745 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2021 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|---|
| Address | 992 EMERALD BAY DR, DESTIN, FL 32541-3745 |
| Document Number | 0035540331 |
|---|---|
| Date | Jun 16, 2021 |
| Book Page | 3554/331 |
| Instrument | 3464232 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
The 2025 property tax bill for 992 Emerald Bay Dr was $8,756 with a homeowner's exemption.
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,756.00 Homeowner's exemption | $870,235 | $1,217,001 Land $464,686 Building $752,315 |
| 2023 | $8,333.00 (+2.12%) Homeowner's exemption | $821,077 (+3%) | $1,277,370 (+9.49%) Land $446,813 Building $830,557 |
| 2022 | $8,160.00 Homeowner's exemption | $797,162 | $1,166,632 Land $386,851 Building $779,781 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 992 Emerald Bay Dr in Zone X, an area of moderate 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 |
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 1999) 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 risk around 992 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 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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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