Okaloosa County property record for 120 Garnet Pl, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,373 sqft · built 2002 |
| Lot Size | 0.189 acres (8,249 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,180,000 (Oct 2026) |
| Tax Bill | $4,694 (2025) |
| Deeds & Mortgages | Oct 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-7913-9 |
| Primary APN | C56-000-589-7913-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,373 sqft Living Area |
| Gross Area | 4,429 sqft |
| 1st Floor Area | 2,617 sqft |
| Upper Floors Area | 945 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Wood Frame (Stucco or Asbestos) |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Concrete |
| Lot Area | 8,249 sqft (0.189 acres) |
| Garage Type | Attached |
| Garage Area | 564 sqft |
| Porch | Patio |
| Porch Area | 492 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 120 GARNET PL |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3768 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EMERALD BAY PH 1-B LOT 13 BLK U |
| Legal Subdivision | EMERALD BAY PH 1-B |
| Legal Phase | 1 |
| Legal Block | U |
| Legal Lot Number | 13 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 23308 |
120 Garnet Pl is owned by two individuals who bought it in October 2026.
Source: Okaloosa County records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7706 GARDEN OAKS DR, AMARILLO, TX 79119-6585 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 | Oct 2, 2026 · Amount on File |
| Deed Sale | Oct 2, 2026 · Amount on File |
| Prior Sale | Jun 26, 2001 · Amount on File |
| Deed Document Number | 20263841988 |
| Prior Transfer Date | Dec 13, 2006 |
| Prior Transfer Doc | 0027600825 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Oct 2, 2026 |
| Property Address | 120 GARNET PL, DESTIN, FL 32541-3768 |
| Document Number | 0003841988 |
| Instrument Date | Oct 2, 2026 |
| Instrument | 20263841988 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2026 |
| Title Company | WAYPOINT TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $834,260.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7706 GARDEN OAKS DR, AMARILLO, TX 79119-6585 |
| Document Number | 0003841989, |
|---|---|
| Date | Oct 2, 2026 |
| Instrument | 20263841989 |
| Name | AMARILLO NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2025 property tax bill for 120 Garnet Pl was $4,694.
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 | $4,694.00 | $488,930 | $911,057 Land $163,225 Building $747,832 |
| 2023 | $4,456.00 (+1.16%) Homeowner's exemption Widower's exemption | $461,312 (+3%) | $962,814 (+7.02%) Land $135,004 Building $827,810 |
| 2022 | $4,405.00 Homeowner's exemption Widower's exemption | $447,876 | $899,661 Land $122,731 Building $776,930 |
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 120 Garnet Pl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
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 2002) 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 120 Garnet Pl is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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 33 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 35 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
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