115 Garnet Pl, Destin, FL 32541 Property Records

Okaloosa County property record for 115 Garnet Pl, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,455 sqft · built 1994
Lot Size	0.205 acres (8,922 sqft)
Owner	2 Individual Names on Record
Last Sale	$620,000 (Oct 2025)
Tax Bill	$6,887 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Sep 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-7916-2`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-7916-2`
Alternative APNs	`00-2S-22-102A-000U-0160` `22S200102A000U0160`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,455 sqft Living Area
Gross Area	3,308 sqft
1st Floor Area	2,455 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	8,922 sqft (0.205 acres)
Garage Type	Attached
Garage Area	528 sqft
Porch	Finished/Open Porch
Porch Area	325 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	115 GARNET PL
City	DESTIN
State	FL
Zip	32541-3767
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EMERALD BAY PH 1-B LOT 16 BLK U
Legal Subdivision	EMERALD BAY PH 1-B
Legal Phase	1
Legal Block	U
Legal Lot Number	16
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2001
Census Tract	23308

Owner

Source: Okaloosa County records, as of April 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	115 GARNET PL, DESTIN, FL 32541-3767
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2025	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Sep 4, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2025 · Amount on Record
Deed Sale	Oct 16, 2025 · Amount on Record
Prior Sale	Mar 3, 2003 · Amount on Record
Deed Document Number	20253778146
Prior Transfer Date	Aug 15, 2018
Prior Transfer Doc	0033660122
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 16, 2025
Property Address	115 GARNET PL, DESTIN, FL 32541-3767
Document Number	0003778146
Map Reference	MB 13 PG 8&9
Instrument Date	Oct 8, 2025
Instrument	3778146
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	EXPRESS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4664 VIA CLARICE, SANTA BARBARA, CA 93111-1355

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 GAMET PLACE, DESTIN, FL 32541

Mortgage

Document Number	0003778147
Date	Oct 16, 2025
Instrument	3778147

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 4, 2018
Property Address	115 GARNET PL, DESTIN, FL 32541-3767
Document Number	0033660122
Book / Page	003366 / 000122
Instrument Date	Aug 15, 2018
Instrument	3230232
Transaction Type	Transfer
Record Updated	Sep 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	115 GARNET PL DESTIN FL 325413767, DESTIN, FL 32541-3767

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,887.00 (+0.89%)	$654,927 (+1.04%) Land $163,225 Building $491,702	$654,927 (+1.04%) Land $163,225 Building $491,702
2024	$6,826.00 (+176.92%)	$648,213 (+132.32%) Land $144,454 Building $503,759	$648,213 (+1.01%) Land $144,454 Building $503,759
2023	$2,465.00 (+0.57%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption	$279,017 (+3%)	$641,725 (+6.96%) Land $135,004 Building $506,721
2022	$2,451.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption	$270,890	$599,948 Land $122,731 Building $477,217

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.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 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

Coastal Barrier Resources

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 1994) 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% 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.

Drinking Water

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

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 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.

Nearby Properties on Garnet Pl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures