Okaloosa County property record for 130 Durango Rd, Unit 103, Destin, FL 32541
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 3 ba · 1,680 sqft · built 1996 |
| Lot Size | 0.031 acres (1,356 sqft) |
| Owner | Individual Name on File |
| Last Sale | $327,500 (Aug 2020) |
| Tax Bill | $4,276 (2025) |
| Deeds & Mortgages | Mar 2017 Mortgage Aug 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | C56-000-590-7040-9 |
| Primary APN | C56-000-590-7040-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,680 sqft Heated Area |
| Gross Area | 1,980 sqft |
| 1st Floor Area | 1,680 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 | 1,356 sqft (0.031 acres) |
| Patio Area | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 130 DURANGO RD UNIT 103, 103 |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-5013 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | DURANGO WINDS T/H UNIT 103 |
| 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 103 is owned by an individual who bought it in August 2020.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 6334 OAK CLUSTER DR, GREENWELL SPRINGS, LA 70739-4145 |
| 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 |
|---|---|
| Mar 15, 2017 | Deed of Trust, Mortgage · VA Mortgage TRUSTMARK NATIONAL BANK |
| Aug 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FBT MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 7, 2020 · Amount on File |
| Deed Sale | Aug 7, 2020 · Amount on File |
| Deed Document Number | 0034831730 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 130 DURANGO RD UNIT 103, 103, DESTIN, FL 32541-5013 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0032910832 |
|---|---|
| Date | Mar 15, 2017 |
| Book Page | 3291/0832 |
| Instrument | 3123139 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | JACKSON, MS 39225 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 130 DURANGO RD UNIT 103, 103, DESTIN, FL 32541-5013 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | MCNEESE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0034831733 |
|---|---|
| Date | Aug 13, 2020 |
| Book Page | 3483/1733 |
| Instrument | 3381826 |
| Name | FBT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | OCEAN SPRINGS, MS 39564 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
The 2025 property tax bill for 130 Durango Rd, Unit 103 was $4,276.
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 | $4,276.00 | $361,096 Land $85,000 Building $276,096 | $361,096 Land $85,000 Building $276,096 |
| 2023 | $3,985.00 (+10.57%) | $354,756 (+13.32%) Land $85,000 Building $269,756 | $354,756 (+13.32%) Land $85,000 Building $269,756 |
| 2022 | $3,604.00 | $313,046 Land $85,000 Building $228,046 | $313,046 Land $85,000 Building $228,046 |
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 103 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 103 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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