Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$781,906$397 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $515,000 on Mar 19, 2021

643 EMERALD BAY DR

DESTIN, FL 32541
3
Beds
2
Baths
1,972 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.15 ac
Lot SizeThe size of the land the home sits on, from county records.
2001
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$782K
$701K low$863K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$515,000 · Mar 19, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,910 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$599,591 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$582,693
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$642,255

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyOkaloosa
Lot (acres)The size of the land the home sits on, from county records.0.15
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Finished
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 544 ft²

Transaction History(6)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Destin Middle SchoolA
Middle · Grades 5–8 · 1.6 mi
E
Destin Elementary SchoolA
Elementary · Grades PK–4 · 5.6 mi
H
Fort Walton Beach High SchoolB-
High · Grades 9–12 · 14.5 mi

District: Okaloosa County School District

Neighborhood · ZIP 32541These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.135
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.80
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.18

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.62%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.31%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.18,561
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,346 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$93,785
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$135,722
Average tempThe average temperature here across a full year.67°F
Annual precipHow much rain and melted snow falls here in a typical year.68 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

Owner Tools

Do you own this home?
Claim this home

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

643 Emerald Bay Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 89% of homes in Okaloosa County
  • Costs more per square foot than 86% of homes in Okaloosa County
  • Bigger than 67% of homes in Okaloosa County
  • Has a smaller lot than 83% of homes in Okaloosa County
  • Newer than 71% of homes in Destin 32541

What homes are worth in Destin 32541

Each bar is how many homes fall in that price range. The marker is this home.

This home
$208K$3.2M

This home is worth more than 65% of homes in Destin 32541.

How it measures up in Destin 32541

The dot is this home. The mark in the middle is the typical home in Destin 32541.

Estimated value$781,906
CheaperTypical $603,033Pricier

Pricier than 65% of homes nearby

Price per ft²$397
CheaperTypical $409Pricier

Pricier than 48% of homes nearby

Living area1,972 ft²
SmallerTypical 1,587 ft²Bigger

Bigger than 66% of homes nearby

Lot size0.15 ac
SmallerTypical 0.41 acBigger

Bigger than 23% of homes nearby

Year built2001
OlderTypical 1996Newer

Newer than 71% of homes nearby

How 643 Emerald Bay Dr ranks against every home in each area.
MeasureThis homeDestin 32541Okaloosa County
Estimated valuepricier than$781,90665% of homes89% of homes
Price per ft²pricier than$39748% of homes86% of homes
Living areabigger than1,972 ft²66% of homes67% of homes
Lot sizebigger than0.15 ac23% of homes17% of homes
Year builtnewer than200171% of homes69% of homes

About 643 Emerald Bay Dr

How much is 643 Emerald Bay Dr, Destin, FL worth?

The TopHap Estimate for 643 Emerald Bay Dr, Destin, FL is $781,906 as of Oct 21, 2026. The likely range is $700,742 to $863,070. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 643 Emerald Bay Dr, Destin, FL last sell?

643 Emerald Bay Dr, Destin, FL last sold on Mar 19, 2021 for $515,000, according to the county's recorded deed. TopHap holds 5 recorded sales for this parcel.

How big is 643 Emerald Bay Dr, Destin, FL?

643 Emerald Bay Dr, Destin, FL has 3 bedrooms, 2 bathrooms, 1,972 square feet of living space and a 0.15-acre lot.

When was 643 Emerald Bay Dr, Destin, FL built?

643 Emerald Bay Dr, Destin, FL was built in 2001, making it 25 years old. The building has 1 story.

What schools serve 643 Emerald Bay Dr, Destin, FL?

643 Emerald Bay Dr, Destin, FL is assigned to Destin Middle School (middle), rated A; Destin Elementary School (elementary), rated A; Fort Walton Beach High School (high), rated B-. All sit in Okaloosa County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 643 Emerald Bay Dr, Destin, FL compare to other homes in Destin 32541?

Among the 16,797 homes in Destin 32541, it is worth more than 65% of them ($781,906 against a typical $603,033), its price per square foot is higher than 48% of them ($397 against a typical $409), it is bigger than 66% of them (1,972 ft² against a typical 1,587 ft²), its lot is bigger than 23% of them (0.15 ac against a typical 0.41 ac) and it is newer than 71% of them (2001 against a typical 1996). Measured against all of Okaloosa County, it is worth more than 89% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 643 Emerald Bay Dr, Destin, FL?

The 2025 property tax bill for 643 Emerald Bay Dr, Destin, FL was $5,910. The county assessed it at $599,591.

More homes on Emerald Bay Dr

Closest homes

More homes in Destin 32541

Assigned schools

Explore the area

See this home in context

Open 643 Emerald Bay Dr on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map