Okaloosa County property record for 123 Garnet Pl, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,981 sqft · built 1993 |
| Lot Size | 0.302 acres (13,169 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $570,000 (May 2015) |
| Tax Bill | $5,988 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-7914-7 |
| Primary APN | C56-000-589-7914-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,981 sqft Living Area |
| Gross Area | 3,964 sqft |
| 1st Floor Area | 1,800 sqft |
| Upper Floors Area | 1,181 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 13,169 sqft (0.302 acres) |
| Garage Type | Attached |
| Garage Area | 525 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 154 sqft |
| Patio Area | 85 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 123 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 14 BLK U |
| Legal Subdivision | EMERALD BAY PH 1-B |
| Legal Phase | 1 |
| Legal Block | U |
| Legal Lot Number | 14 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 23308 |
123 Garnet Pl is owned and occupied by two individuals who bought it in May 2015.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 123 GARNET PL, DESTIN, FL 32541-3767 |
| 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 | May 26, 2015 · Amount on File |
| Deed Sale | May 26, 2015 · Amount on File |
| Deed Document Number | 20152999011 |
| Deed Book / Page | 3199 / 2436 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 123 Garnet Pl was $5,988 with a homeowner's exemption.
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 | $5,988.00 Homeowner's exemption | $606,996 | $901,444 Land $195,870 Building $705,574 |
| 2023 | $5,693.00 (+2.19%) Homeowner's exemption | $572,708 (+3%) | $879,131 (+6.94%) Land $155,254 Building $723,877 |
| 2022 | $5,571.00 Homeowner's exemption | $556,027 | $822,043 Land $141,140 Building $680,903 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 123 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 1993) 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 123 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures