173 Durango Rd, Destin, FL 32541 Property Records

Okaloosa County property record for 173 Durango Rd, Destin, FL 32541

Property Summary

Property Type	Townhouse
Details	2 bd · 3 ba · 1,384 sqft · built 1980
Lot Size	0.014 acres (650 sqft)
Owner	2 Individual Names on Record
Last Sale	$850,000 (Oct 2022)
Tax Bill	$7,189 (2025)
Deeds & Mortgages	Oct 2022 Mortgage
Flood Zone	Zone AE (high risk)
APN	`C56-000-591-0592-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-591-0592-4`
Alternative APN	`00-2S-24-5070-0000-0110`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	1,384 sqft Heated Area
Gross Area	2,896 sqft
1st Floor Area	72 sqft
Upper Floors Area	1,376 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2005
Exterior Material	Fiber Cement Siding
Roof Type	Wood Truss
Roof Material	Wood
Lot Area	650 sqft (0.014 acres)
Garage Type	Finished
Garage Area	456 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	624 sqft
Patio Area	336 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	173 DURANGO RD
City	DESTIN
State	FL
Zip	32541-3073
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	QUAYS PHASE I UNIT 11
Legal Range	24
Legal Township	02S
Legal Subdivision	QUAYS PH I
Legal Phase	1
Legal Unit	11
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2008
Census Tract	23303

Owner

Source: Okaloosa County records, as of December 8, 2025

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

Owner of Record	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	255 NW 10TH AVE APT 1118, 1118, PORTLAND, OR 97209-2281
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2022 · Amount on Record
Deed Sale	Oct 21, 2022 · Amount on Record
Deed Document Number	0036481925
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	173 DURANGO RD, DESTIN, FL 32541-3073
Transaction Type	Mortgage
Record Updated	Nov 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	775 GULF SHORE DR 2032, 2032, DESTIN, FL 32541-3150

Mortgage

Document Number	0036481927
Date	Oct 24, 2022
Book Page	3648/1927
Instrument	3586843

Lender

Name	US BANK NA
Type	Bank
Address	42310

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Nov 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.3%
Index	1-Year T-Bill
Max Rate	10.3%

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,189.00 (+2.28%)	$607,080 (+3.17%) Land $330,000 Building $277,080	$607,080 (+3.17%) Land $330,000 Building $277,080
2023	$7,029.00 (+30.43%)	$588,404 (+17.66%) Land $330,000 Building $258,404	$588,404 (+17.66%) Land $330,000 Building $258,404
2022	$5,389.00	$500,069 Land $300,000 Building $200,069	$500,069 Land $300,000 Building $200,069

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

Flood

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	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 422 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,500 units insured incl. 1,078 condo units
Nearby Flood Claims	819 (1980–2024)
Claims Outside the SFHA	261 of 819
Most Recent Claim	Aug 2024 · Hurricane Debby
Claims by Event	Hurricane Dennis, Jul 2005 · 58 claims Hurricane Frances, Sep 2004 · 182 claims Hurricane Opal, Oct 1995 · 461 claims

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

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.

Drinking Water

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

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 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