Okaloosa County property record for 10 Garnet Pl, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,935 sqft · built 1997 |
| Lot Size | 0.233 acres (10,153 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $24,072 (Aug 2018) |
| Tax Bill | $3,298 (2025) |
| Deeds & Mortgages | Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-7905-5 |
| Primary APN | C56-000-589-7905-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,935 sqft Living Area |
| Gross Area | 3,567 sqft |
| 1st Floor Area | 1,849 sqft |
| Upper Floors Area | 1,086 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 10,153 sqft (0.233 acres) |
| Garage Type | Attached |
| Garage Area | 542 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 90 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 10 GARNET PL |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3765 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EMERALD BAY PH 1-B LOT 5 BLK U |
| Legal Subdivision | EMERALD BAY PH 1-B |
| Legal Phase | 1 |
| Legal Block | U |
| Legal Lot Number | 5 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 23308 |
10 Garnet Pl is owned and occupied by two individuals who bought it in August 2018.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10 GARNET PL, DESTIN, FL 32541-3765 |
| 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 |
|---|---|
| Last Sale | Aug 21, 2018 · Amount on File |
| Deed Sale | Aug 21, 2018 · Amount on File |
| Deed Document Number | 20183227371 |
| Deed Book / Page | 3364 / 899 |
| Prior Transfer Date | Aug 10, 2018 |
| Prior Transfer Doc | 0033640899 |
| Record Updated | Oct 29, 2026 |
| Document Type | Reverse Mortgage |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Aug 21, 2018 |
| Property Address | 10 GARNET PL, DESTIN, FL 32541-3765 |
| Document Number | 0033640899 |
| Book / Page | 003364 / 000899 |
| Instrument Date | Aug 10, 2018 |
| Instrument | 3227371 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2019 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Tax | $168.50 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10 GARNET PL DESTIN FL 325413765, DESTIN, FL 32541-3765 |
| Document Number | 33640919 |
|---|---|
| Date | Aug 21, 2018 |
| Book Page | 003364/000919 |
| Instrument | 3227373 |
| Name | COMMISSIONER/HSNG & URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 912 Months |
| Due | Aug 20, 2094 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.24% |
| Document Number | 33640903, |
|---|---|
| Date | Aug 21, 2018 |
| Book Page | 003364/000903 |
| Instrument | 3227372 |
| Name | AMERICAN ADVISORS |
|---|---|
| Address | ORANGE, CA 92868 |
| Amount | Amount on Record |
|---|---|
| Term | 912 Months |
| Due | Aug 20, 2094 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.24% |
The 2025 property tax bill for 10 Garnet Pl was $3,298 with exemptions applied.
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 | $3,298.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption | $374,457 | $690,196 Land $179,548 Building $510,648 |
| 2023 | $3,361.00 (+2.34%) Homeowner's exemption | $353,305 (+3%) | $710,843 (+6.97%) Land $141,754 Building $569,089 |
| 2022 | $3,284.00 Homeowner's exemption | $343,015 | $664,506 Land $128,867 Building $535,639 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10 Garnet Pl in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1995.
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 |
|---|---|
| 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 1997) 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 10 Garnet Pl is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 225 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 |
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