Okaloosa County property record for 186 Durango Rd, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,500 sqft · built 1994 |
| Lot Size | 0.03 acres (1,313 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,674 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage May 2019 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | C56-000-590-6877-5 |
| Primary APN | C56-000-590-6877-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,500 sqft Living Area |
| Gross Area | 1,580 sqft |
| 1st Floor Area | 1,500 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Townhouse |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 1,313 sqft (0.03 acres) |
| Patio Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 186 DURANGO RD |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3032 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COURT DEL MAR LOT 103 |
| Legal Subdivision | COURT DEL MAR |
| Legal Lot Number | 103 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 23303 |
Source: Okaloosa County records · APN C56-000-590-6877-5
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 | Individual Name on File |
|---|---|
| Mailing Address | 107 E MORRISON AVE, MOUNT PROSPECT, IL 60056-2742 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| May 16, 2019 | Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 186 DURANGO RD, DESTIN, FL 32541-3032 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2021 |
| Name | Verified Name |
|---|---|
| Address | 107 E MORRISON AVE, MOUNT PROSPECT, IL 60056-2742 |
| Document Number | 0035431571 |
|---|---|
| Date | Apr 29, 2021 |
| Book Page | 3543/1571 |
| Instrument | 3451159 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 186 DURANGO RD, DESTIN, FL 32541-3032 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0033991580 |
|---|---|
| Date | May 16, 2019 |
| Book Page | 3399/1580 |
| Instrument | 3278074 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Address | PEWAUKEE, WI 53072 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2049 |
Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Destin City |
| Unified School District | Okaloosa County School District (PK - 12) |
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 | $3,674.00 (+1.32%) | $310,254 (+1.24%) Land $95,000 Building $215,254 | $310,254 (+1.24%) Land $95,000 Building $215,254 |
| 2023 | $3,626.00 (+9.91%) | $306,448 (+11.92%) Land $95,000 Building $211,448 | $306,448 (+11.92%) Land $95,000 Building $211,448 |
| 2022 | $3,299.00 | $273,807 Land $95,000 Building $178,807 | $273,807 Land $95,000 Building $178,807 |
Source: FEMA National Flood Hazard Layer as of March 8, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 Record 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 |
|
| Wildfire Risk | Not rated no burnable land within 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
Based on FCC filings for 244 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | DESTIN WATER USERS, INC. private · serves 31,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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