Okaloosa County property record for 130 Durango Rd, Unit 102, Destin, FL 32541
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 3 ba · 1,523 sqft · built 1996 |
| Lot Size | 0.03 acres (1,350 sqft) |
| Owner | Individual Name on File |
| Last Sale | $297,000 (Dec 2020) |
| Tax Bill | $3,158 (2025) |
| Deeds & Mortgages | Feb 2023 Line of Credit Dec 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | C56-000-590-7039-1 |
| Primary APN | C56-000-590-7039-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,523 sqft Heated Area |
| Gross Area | 1,623 sqft |
| 1st Floor Area | 1,523 sqft |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 1,350 sqft (0.03 acres) |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 130 DURANGO RD UNIT 102, 102 |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-5013 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | DURANGO WINDS T/H UNIT 102 |
| Legal Range | 24 |
| Legal Township | 02S |
| Legal Subdivision | DURANGO WINDS T/H |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 23303 |
130 Durango Rd, Unit 102 is owned and occupied by an individual who bought it in December 2020.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 130 DURANGO RD UNIT 102, 102, DESTIN, FL 32541-5013 |
| 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.
| Date | Document |
|---|---|
| Feb 10, 2023 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Dec 17, 2020 | Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK |
| Jun 8, 2020 | Deed of Trust, Mortgage · VA Mortgage UNIVERSITY LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 17, 2020 · Amount on File |
| Deed Sale | Dec 17, 2020 · Amount on File |
| Prior Sale | Sep 5, 2013 · Amount on File |
| Deed Document Number | 3415911 |
| Deed Book / Page | 3513 / 349 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 130 DURANGO RD UNIT 102, 102, DESTIN, FL 32541-5013 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2023 |
| Name | Verified Name |
|---|---|
| Address | 130 DURANGO RD 102, 102, DESTIN, FL 32541-5013 |
| Document Number | 0036613290 |
|---|---|
| Date | Feb 10, 2023 |
| Book Page | 3661/3290 |
| Instrument | 3605534 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Feb 13, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Dec 17, 2020 |
| Property Address | 130 DURANGO RD UNIT 102, 102, DESTIN, FL 32541-5013 |
| Document Number | 0035130349 |
| Book / Page | 3513 / 349 |
| Map Reference | MB 16 PG 6 |
| Instrument Date | Dec 15, 2020 |
| Instrument | 3415911 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | MCNEESE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,079.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 100 GULF SHORE DR # DR401, 100, DESTIN, FL 32541-5056 |
| Name | Verified Name |
|---|---|
| Address | 130 DURANGO RD UNIT 102, 102, DESTIN, FL 32541-5013 |
| Document Number | 0003513351 |
|---|---|
| Date | Dec 17, 2020 |
| Instrument | 3513/351 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 130 DURANGO RD UNIT 102, 102, DESTIN, FL 32541-5013 |
| Document Number | 0034682826 |
| Instrument Date | Jun 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 130 DURANGO RD #102 DESTIN FL 325415013, 102, DESTIN, FL 32541-5013 |
| Document Number | 0034682826 |
|---|---|
| Date | Jun 12, 2020 |
| Book Page | 003468/002826 |
| Instrument | 3365281 |
| Name | UNIVERSITY LNDG |
|---|---|
| Address | SOUTHFIELD, MI 48034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 11, 2050 |
The 2025 property tax bill for 130 Durango Rd, Unit 102 was $3,158 with a homeowner's exemption.
Source: Okaloosa County assessment roll, as of July 1, 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 | $3,158.00 Homeowner's exemption | $305,749 | $321,095 Land $85,000 Building $236,095 |
| 2023 | $2,985.00 (+2.51%) Homeowner's exemption | $288,478 (+3%) | $315,723 (+12.73%) Land $85,000 Building $230,723 |
| 2022 | $2,912.00 Homeowner's exemption | $280,076 Land $85,000 Building $195,076 | $280,076 Land $85,000 Building $195,076 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 130 Durango Rd, Unit 102 in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 665 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 3,929 units insured incl. 3,264 condo units |
| Nearby Flood Claims | 507 (1979–2026) |
| Claims Outside the SFHA | 33 of 507 |
| Most Recent Claim | May 2026 · rainfall accumulation |
| 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 130 Durango Rd, Unit 102 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 244 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 · Fiber in parts of the area | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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