14 Todd Pt, Destin, FL 32541 Property Records

Okaloosa County property record for 14 Todd Pt, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,446 sqft · built 1995
Lot Size	0.362 acres (15,769 sqft)
Owner	2 Individual Names on File
Last Sale	$755,000 (Apr 2021)
Tax Bill	$6,802 (2024)
Deeds & Mortgages	Jul 2021 Transfer Apr 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-4316-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-4316-8`
Alternative APNs	`00-2S-22-018D-0000-0190` `22S200018D00000190`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,446 sqft Living Area
Gross Area	3,534 sqft
1st Floor Area	2,446 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	15,769 sqft (0.362 acres)
Garage Type	Attached
Garage Area	460 sqft
Porch	Finished/Open Porch
Porch Area	559 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	14 TODD PT
City	DESTIN
State	FL
Zip	32541-3741
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BAYWINDS GOLF EST PH III LOT 19
Legal Subdivision	BAYWINDS GOLF EST
Legal Phase	3
Legal Block	3
Legal Lot Number	19
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2001
Census Tract	23308

Owner

14 Todd Pt is owned and occupied by two individuals who acquired it in July 2021.

Source: Okaloosa County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	14 TODD PT, DESTIN, FL 32541-3741
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Apr 28, 2021	Warranty Deed, Transfer · Conventional Mortgage RENASANT BANK
May 31, 2017	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Dec 29, 2017	Warranty Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2021 · Amount on File
Deed Sale	Apr 28, 2021 · Amount on File
Prior Sale	Dec 29, 2017 · Amount on File
Deed Document Number	20213450401
Deed Book / Page	3542 / 3357
Last Transfer Date	Jul 15, 2021
Transfer Doc	0035603007
Record Updated	Oct 29, 2026

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Jul 15, 2021
Property Address	14 TODD PT, DESTIN, FL 32541-3741
Document Number	0035603007
Book / Page	3560 / 3007
Map Reference	MB 14 PG 10
Instrument Date	Jul 15, 2021
Instrument	3472155
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	14 TODD PT, DESTIN, FL 32541-3741

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 28, 2021
Property Address	14 TODD PT, DESTIN, FL 32541-3741
Document Number	0035423357
Book / Page	3542 / 3357
Map Reference	MB 14 PG 10
Instrument Date	Apr 23, 2021
Instrument	3450401
Transaction Type	Transfer
Record Updated	May 25, 2021
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,285.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	512 23RD ST, 512, NICEVILLE, FL 32578-3207

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 TODD PT, DESTIN, FL 32541-3741

Mortgage

Document Number	35423359
Date	Apr 28, 2021
Instrument	3542/3359

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	14 TODD PT, DESTIN, FL 32541-3741
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033013288
Date	May 31, 2017
Book Page	3301/3288
Instrument	3138072

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	MONROE, LA 71203

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	420 Months
Due	May 17, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 29, 2017
Property Address	14 TODD PT, DESTIN, FL 32541-3741
Document Number	0033312225
Book / Page	003331 / 002225
Instrument Date	Dec 21, 2017
Instrument	3179938
Transaction Type	Transfer
Record Updated	Feb 16, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$3,741.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2113 CLIPPER CV MIRAMAR BEACH FL 325504530, MIRAMAR BEACH, FL 32550-4530

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		$646,857 Land $146,903 Building $499,954	$646,857 Land $146,903 Building $499,954
2024	$6,802.00 (+2.22%)
2023	$6,654.00 (+2.18%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$668,148 (+3%)	$701,050 (+8.07%) Land $140,698 Building $560,352
2022	$6,512.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$648,687 Land $127,907 Building $520,780	$648,687 Land $127,907 Building $520,780

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 14 Todd Pt in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1995.

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
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 1995) 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

Wildfire risk around 14 Todd Pt is low, with less than a 0.01% annual chance of 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	Under 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.

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