169 Durango Rd, Destin, FL 32541 Property Records

Okaloosa County property record for 169 Durango Rd, Destin, FL 32541 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,288 sqft · built 1980
Lot Size	0.015 acres (650 sqft)
Owner	Company Name on File
Last Sale	$875,000 (May 2026)
Tax Bill	$7,226 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Apr 2024 Sale + 3 more
Flood Zone	Zone AE (high risk)
APN	`C56-000-591-0590-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-591-0590-8`
Alternative APNs	`00-2S-24-5070-0000-0090` `24S200507000000090`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,288 sqft Living Area
Gross Area	2,544 sqft
1st Floor Area	72 sqft
Upper Floors Area	1,280 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2005
Architectural Style	Townhouse
Exterior Material	Aluminum/Vinyl
Roof Type	Flat
Roof Material	Wood
Lot Area	650 sqft (0.015 acres)
Garage Type	Attached
Garage Area	456 sqft

Exterior Amenities

Porch	Open/Unfinished Porch
Porch Area	800 sqft
Patio Area	160 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	169 DURANGO RD
City	DESTIN
State	FL
Zip	32541-3073
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	QUAYS PHASE I UNIT 9
Legal Subdivision	QUAYS PHASE I
Legal Phase	1
Legal Lot Number	90
Legal Unit	9
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2008
Census Tract	23303

Owner

Source: Okaloosa County records · APN C56-000-591-0590-8

Assessment roll updated December 31, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	912 PARK CREST CIR, VESTAVIA, AL 35242-7537
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Warranty Deed, Transfer · Conventional Mortgage NATIONAL HOME MORTGAGE CORPORATION
Apr 01, 2024	Warranty Deed, Transfer
Feb 20, 2024	Quit Claim Deed, Transfer Quitclaim
Apr 01, 2024	Warranty Deed, Transfer
Dec 22, 2022	Assignment of Lease, Transfer · Conventional Mortgage PROGRESS BANK & TRUST

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 18, 2026 · Amount on Record
Deed Sale	May 18, 2026 · Amount on Record
Prior Sale	Dec 22, 2022 · Amount on Record
Deed Document Number	20263817238
Prior Transfer Date	Feb 20, 2024
Prior Transfer Doc	0003671993
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 18, 2026
Property Address	169 DURANGO RD, DESTIN, FL 32541-3073
Document Number	0003817238
Instrument Date	May 18, 2026
Instrument	2026.3817238
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	KETCHERSID LAND & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$618,625.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	912 PARK CREST CIR, VESTAVIA, AL 35242-7537

Mortgage

Document Number	0003817239,
Date	May 18, 2026
Instrument	2026..3817239

Lender

Name	NATIONAL HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 01, 2024
Property Address	169 DURANGO RD, DESTIN, FL 32541-3073
Document Number	0003679294
Map Reference	MB 5 PGS157
Instrument Date	Mar 07, 2024
Instrument	3679294
Transaction Type	Transfer
Record Updated	Dec 09, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16 HEATHCOTE RD, SCARSDALE, NY 10583-4418

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74860 OVERSEAS HWY, ISLAMORADA, FL 33036-4133

February 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 20, 2024
Property Address	169 DURANGO RD, DESTIN, FL 32541-3073
Document Number	0003671993
Map Reference	MB 5 PG 157
Instrument Date	Feb 20, 2024
Instrument	3671993
Transaction Type	Transfer
Record Updated	Mar 14, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1250 N EGLIN PKWY STE 100, 100, SHALIMAR, FL 32579-1296

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 SHARPSBURG CIR, MOUNTAIN BRK, AL 35213-1714

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 01, 2024
Property Address	169 DURANGO RD, DESTIN, FL 32541-3073
Document Number	0003679530
Map Reference	MB 2 PG 2
Instrument Date	Jan 30, 2024
Instrument	3679530
Transaction Type	Transfer
Record Updated	May 21, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	218 SHARPSBURG CIR, MOUNTAIN BRK, AL 35213-1714

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 SHARPSBURG CIR, MOUNTAIN BRK, AL 35213-1714

December 2022: Assignment of Lease, Transfer

Document Type	Assignment of Lease
Jurisdiction	OKALOOSA FL
Recording Date	Dec 22, 2022
Property Address	169 DURANGO RD, DESTIN, FL 32541-3073
Document Number	0036554789
Book / Page	3655 / 4789
Map Reference	MB 5 PG 157
Instrument Date	Dec 15, 2022
Instrument	3597441
Transaction Type	Transfer
Record Updated	Jan 03, 2023
Title Company	KETCHERSID LAND & TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,215.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2315 EWING CHAPEL RD, DACULA, GA 30019-2613

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6308 HARMON DR, PELL CITY, AL 35128-6714

Mortgage

Document Number	0036554791
Date	Dec 22, 2022
Book Page	3655/4791
Instrument	3597442

Lender

Name	PROGRESS BANK & TRUST
Type	Bank
Address	HUNTSVILLE, AL 35801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Jan 01, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	12%
Index	Other
Margin	3
Max Rate	12%

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Municipality	Destin City
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,226.00 (+4.77%)	$610,158 (+5.67%) Land $330,000 Building $280,158	$610,158 (+5.67%) Land $330,000 Building $280,158
2023	$6,897.00 (+36.33%)	$577,397 (+23.05%) Land $330,000 Building $247,397	$577,397 (+23.05%) Land $330,000 Building $247,397
2022	$5,059.00	$469,253 Land $300,000 Building $169,253	$469,253 Land $300,000 Building $169,253

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120910233032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 422 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,500 units insured 1,078 under condo master policies
Nearby Flood Claims	819 (1980–2024)
Claims Outside the SFHA	261 of 819
Most Recent Claim	Aug 2024, other causes, Hurricane Debby
Claims By Storm	Hurricane Dennis, Jul 2005 · 58 claims Hurricane Frances, Sep 2004 · 182 claims Hurricane Opal, Oct 1995 · 461 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 244 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
LiveOak Fiber	Fiber	5,000 / 5,000
Cox Communications	Cable	2,000 / 100
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Cox Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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