101 Defiance Dr, Destin, FL 32541 Property Records

Okaloosa County property record for 101 Defiance Dr, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,856 sqft · built 2000
Lot Size	0.12 acres (5,268 sqft)
Owner	2 Individual Names on File
Last Sale	$349,900 (Jan 2021)
Tax Bill	$3,656 (2025)
Deeds & Mortgages	Dec 2023 Transfer Jan 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-590-5878-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-590-5878-4`
Alternative APN	`00-2S-22-5330-0000-0040`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,856 sqft Heated Area
Gross Area	2,488 sqft
1st Floor Area	760 sqft
Upper Floors Area	1,096 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	5,268 sqft (0.12 acres)
Garage Type	Finished
Garage Area	400 sqft
Porch	Open Porch
Porch Area	40 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	101 DEFIANCE DR
City	DESTIN
State	FL
Zip	32541-2860
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TWIN LAKES S/D LOT 4
Legal Range	22
Legal Township	02S
Legal Subdivision	LAKES S/D
Legal Lot Number	4
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2018
Census Tract	23305

Owner

101 Defiance Dr is owned and occupied by two individuals who acquired it in December 2023.

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 Record	2 Individual Names on File
Co-owner	2 Co-owners on File
Mailing Address	101 DEFIANCE DR, DESTIN, FL 32541-2860
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jan 27, 2021	Warranty Deed, Transfer · Conventional Mortgage INTERLINC MORTGAGE SERVICES LLC
Jun 9, 2020	Deed of Trust, Mortgage · Conventional with PMI ALLIED MTG
Jun 28, 2019	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	4 Names on Deed
Last Sale	Jan 27, 2021 · Amount on File
Deed Sale	Jan 27, 2021 · Amount on File
Prior Sale	Jan 27, 2021 · Amount on File
Deed Document Number	0035211387
Deed Book / Page	3521 / 1387
Last Transfer Date	Dec 26, 2023
Transfer Doc	0003663289
Record Updated	Jun 8, 2026

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Dec 26, 2023
Property Address	101 DEFIANCE DR, DESTIN, FL 32541-2860
Document Number	0003663289
Map Reference	BM 18 PG 98&99
Instrument Date	Dec 21, 2023
Instrument	3663289
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7929 FM 20, SEGUIN, TX 78155-9139

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	101 DEFIANCE DR, DESTIN, FL 32541-2860

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 27, 2021
Property Address	101 DEFIANCE DR, DESTIN, FL 32541-2860
Document Number	0035211387
Book / Page	3521 / 1387
Map Reference	MB 18 PG 98&99
Instrument Date	Jan 22, 2021
Instrument	3425177
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	RODGERS-KIEFER TITLE, RODGERS KIEFER TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,449.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	415 GULF SHORE DR # DR18, DR18, DESTIN, FL 32541-5009

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7929 FM 20, SEGUIN, TX 78155-9139

Mortgage

Document Number	0035211389
Date	Jan 27, 2021
Instrument	3521/1389

Lender

Name	INTERLINC MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	101 DEFIANCE DR, DESTIN, FL 32541-2860
Document Number	0034740295
Instrument Date	Jun 9, 2020
Transaction Type	Mortgage
Record Updated	Aug 25, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 DEFIANCE DR DESTIN FL 325412860, DESTIN, FL 32541-2860

Mortgage

Document Number	0034740295
Date	Jul 8, 2020
Book Page	003474/000295
Instrument	3371560

Lender

Name	ALLIED MTG
Type	Mortgage Company
Address	BALA CYNWYD, PA 19004

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Jul 7, 2035

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	101 DEFIANCE DR, DESTIN, FL 32541-2860
Document Number	0034081169
Instrument Date	Jun 28, 2019
Transaction Type	Mortgage
Record Updated	Jul 26, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	101 DEFIANCE DR DESTIN FL 325412860, DESTIN, FL 32541-2860

Mortgage

Document Number	0034081169
Date	Jul 11, 2019
Book Page	003408/001169
Instrument	3290249

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 10, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 101 Defiance Dr was $3,656 with exemptions applied.

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

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Municipality	Destin City
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,656.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$352,767 Land $114,387 Building $238,380	$352,767 Land $114,387 Building $238,380
2023	$4,112.00 (+6.2%)	$344,278 (+7.13%) Land $103,789 Building $240,489	$344,278 (+7.13%) Land $103,789 Building $240,489
2022	$3,872.00	$321,369 Land $94,354 Building $227,015	$321,369 Land $94,354 Building $227,015

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 101 Defiance Dr in Zone X, an area of minimal flood risk, though there have been 29 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
Flood Insurance Cost	Premium on File median of 100 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	100 in force
Nearby Flood Claims	29 (1995–2021)
Claims Outside the SFHA	25 of 29
Most Recent Claim	Apr 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

Wildfire risk around 101 Defiance Dr is low, with less than 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 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 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	DESTIN WATER USERS, INC. private · serves 31,752 people · EPA ID FL1460202
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	2 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 441 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, LiveOak Fiber, Verizon.

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