Okaloosa County property record for 103 Cobia St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 7 bd · 9.5 ba · 4,470 sqft · built 2025 |
| Lot Size | 0.177 acres (7,699 sqft) |
| Owner | Company Name on File |
| Last Sale | $850,000 (Jun 2024) |
| Tax Bill | $5,365 (2025) |
| Deeds & Mortgages | Jun 2025 Mortgage Jun 2024 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-6154-1 |
| Primary APN | C56-000-589-6154-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 9.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 4,470 sqft Living Area |
| Gross Area | 5,682 sqft |
| 1st Floor Area | 4,470 sqft |
| Upper Floors Area | 621 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 7,699 sqft (0.177 acres) |
| Lot Width | 50 ft Width |
| Porch | Finished/Open Porch |
| Porch Area | 373 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 103 COBIA ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3601 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CRYSTAL BEACH LOT 1 BLK 32 |
| Legal Subdivision | CRYSTAL BEACH |
| Legal Block | 32 |
| Legal Lot Number | 1 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 23308 |
103 Cobia St is owned by a company that bought it in June 2024.
Source: Okaloosa County records, as of September 21, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1535 ISLAND GREEN LN W, MIRAMAR BEACH, FL 32550-4555 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 9, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FUNDLOANS CAPITAL |
| Jun 18, 2024 | Warranty Deed, Construction Loan · Construction Mortgage KIAVI FUNDING INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 18, 2024 · Amount on File |
| Deed Sale | Jun 18, 2024 · Amount on File |
| Deed Document Number | 20243694144 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 103 COBIA ST, DESTIN, FL 32541-3601 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1535 ISLAND GREEN LN W, MIRAMAR BEACH, FL 32550-4555 |
| Document Number | 0003758614 |
|---|---|
| Date | Jun 9, 2025 |
| Instrument | 3758614 |
| Name | FUNDLOANS CAPITAL |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92130 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 18, 2024 |
| Property Address | 103 COBIA ST, DESTIN, FL 32541-3601 |
| Document Number | 0003694144 |
| Map Reference | MB 1 PG 17 |
| Instrument Date | Jun 14, 2024 |
| Instrument | 3694144 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 9, 2025 |
| Title Company | AQUA TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,950.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10 WATERWOOD CT, SANTA ROSA BEACH, FL 32459-3186 |
| Name | Verified Name |
|---|---|
| Address | 1535 ISLAND GREEN LN W, MIRAMAR BEACH, FL 32550-4555 |
| Investor | Possibly a Property Investor |
| Document Number | 0003696352 |
|---|---|
| Date | Jun 18, 2024 |
| Instrument | 3696352 |
| Name | KIAVI FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 103 Cobia St was $5,365.
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Destin City |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,365.00 | $453,027 Land $453,027 | $453,027 Land $453,027 |
| 2023 | $1,937.00 (-0.05%) Homeowner's exemption Senior Citizen's exemption Widower's exemption Additional exemption filed | $228,548 (+3%) | $757,243 (+12.87%) Land $411,058 Building $346,185 |
| 2022 | $1,938.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $221,891 | $670,920 Land $373,689 Building $297,231 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 103 Cobia St in Zone X, an area of minimal flood risk, though there have been 51 flood claims nearby since 1983.
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 95 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 251 units insured incl. 156 condo units |
| Nearby Flood Claims | 51 (1983–2005) |
| Claims Outside the SFHA | 39 of 51 |
| Most Recent Claim | Jul 2005 · Hurricane Dennis |
| Claims by Event |
|
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.
The area around 103 Cobia St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | 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 |
| 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 579 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 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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