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188 Durango Rd, Destin, FL 32541 Property Records

Okaloosa County property record for 188 Durango Rd, Destin, FL 32541

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,700 sqft · built 1994
Lot Size0.03 acres (1,313 sqft)
OwnerIndividual Name on File
Last Sale$320,000 (Dec 2020)
Tax Bill$4,129 (2025)
Deeds & MortgagesJul 2023 Transfer
Dec 2020 Sale & Mortgage
+ 2 more
Flood ZoneZone AE (high risk)
APNC56-000-590-6878-3

Property Details

APN / Parcel Number

Primary APNC56-000-590-6878-3
Alternative APNs
  • 00-2S-24-0579-0000-1040
  • 24S200057900001040

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,700 sqft Living Area
Gross Area1,780 sqft
1st Floor Area1,700 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1994
Effective Year BuiltEffective 1994
Architectural StyleTownhouse
Exterior MaterialWood
Roof TypeGable/Hip
Roof MaterialWood
Lot Area1,313 sqft (0.03 acres)
Patio Area80 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address188 DURANGO RD
CityDESTIN
StateFL
Zip32541-3032
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCOURT DEL MAR LOT 104
Legal SubdivisionCOURT DEL MAR
Legal Lot Number104
JurisdictionOKALOOSA FL
Township / Civil DivisionFORT WALTON BEACH
Census Block Group1
Census Block1005
Census Tract23303

Owner

Source: Okaloosa County assessment roll, as of December 31, 2025

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

Owner of RecordIndividual Name on File
Mailing Address328 HOLLY ST, DESTIN, FL 32541-2616
Owner TypeIndividual
VestingMarried Woman, Separate Property

Deeds, Mortgages & Sale History

DateDocument
Jul 6, 2023Quit Claim Deed, Transfer
ACCOMODATION, ACCOMMODATION
Dec 30, 2020Warranty Deed, Transfer · FHA Mortgage
THELENDER
May 29, 2018Warranty Deed, Transfer · VA Mortgage
CENTENNIAL BANK
Apr 13, 2017Warranty Deed, Transfer · VA Mortgage
MORTGAGE ONE/SOUTH

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 30, 2020 · Amount on Record
Deed SaleDec 30, 2020 · Amount on Record
Prior SaleMay 29, 2018 · Amount on Record
Deed Document Number20203418308
Deed Book / Page3515 / 1453
Last Transfer DateJul 6, 2023
Transfer Doc0036822157
Record UpdatedSep 20, 2026

July 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOKALOOSA FL
Recording DateJul 6, 2023
Property Address188 DURANGO RD, DESTIN, FL 32541-3032
Document Number0036822157
Book / Page3682 / 2157
Map ReferenceMB 13 PG 60
Instrument DateJul 6, 2023
Instrument3633803
Transaction TypeTransfer
Record UpdatedJul 27, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address328 HOLLY ST, DESTIN, FL 32541-2616

Transferred To (Grantee/Buyer)

NameVerified Name
Address328 HOLLY ST, DESTIN, FL 32541-2616

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateDec 30, 2020
Property Address188 DURANGO RD, DESTIN, FL 32541-3032
Document Number0035151453
Book / Page003515 / 001453
Instrument DateDec 23, 2020
Instrument3418308
Transaction TypeTransfer
Record UpdatedJan 27, 2021
Title CompanyCHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,240.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address188 DURANGO RD DESTIN FL 325413032, DESTIN, FL 32541-3032

Mortgage

Document Number35151455
DateDec 30, 2020
Book Page003515/001455
Instrument3418309
Lender
NameTHELENDER
AddressLAKE FOREST, CA 92630
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 29, 2050

May 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateMay 29, 2018
Property Address188 DURANGO RD, DESTIN, FL 32541-3032
Document Number0033514527
Book / Page3351 / 4527
Map ReferenceMB13 PG60
Instrument DateMay 25, 2018
Instrument3209665
Transaction TypeTransfer
Record UpdatedJan 10, 2022
Title CompanyCOTON LAND TITLE LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2044 S COLLEGE ST, 2044, AUBURN, AL 36832-5828

Transferred To (Grantee/Buyer)

NameVerified Name
Address188 DURANGO RD, DESTIN, FL 32541-3032

Mortgage

Document Number0033514528
DateMay 29, 2018
Book Page3351/4528
Instrument3209666
Lender
NameCENTENNIAL BANK
TypeBank
AddressCONWAY, AR 72033
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2048

April 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateApr 13, 2017
Property Address188 DURANGO RD, DESTIN, FL 32541-3032
Document Number0032951791
Book / Page003295 / 001791
Instrument DateMar 31, 2017
Instrument3128936
Transaction TypeTransfer
Record UpdatedMay 17, 2017
Title CompanyH AND S TITLE AND ESCROW INC, H&S TITLE & ESCROW INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,470.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address188 DURANGO RD DESTIN FL 325413032, DESTIN, FL 32541-3032

Mortgage

Document Number32951795
DateApr 13, 2017
Book Page003295/001795
Instrument3128939
Lender
NameMORTGAGE ONE/SOUTH
TypeMortgage Company
AddressFORT WALTON BEACH, FL 32548
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 12, 2047

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
MunicipalityDestin City
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,129.00 (+5.33%)$348,656 (+0.75%) Land $95,000 Building $253,656$348,656 (+0.75%) Land $95,000 Building $253,656
2023$3,920.00 (+10.27%)$346,057 (+12.64%) Land $95,000 Building $251,057$346,057 (+12.64%) Land $95,000 Building $251,057
2022$3,555.00$307,228 Land $95,000 Building $212,228$307,228 Land $95,000 Building $212,228

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 665 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies3,929 units insured
incl. 3,264 condo units
Nearby Flood Claims507 (1979–2026)
Claims Outside the SFHA33 of 507
Most Recent ClaimMay 2026 · rainfall accumulation
Claims by Event
  • Hurricane Dennis, Jul 2005 · 57 claims
  • Hurricane Frances, Oct 2004 · 159 claims
  • Hurricane Opal, Oct 1995 · 218 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 RiskNot rated
no burnable land within ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemDESTIN WATER USERS, INC.
private · serves 31,752 people · EPA ID FL1460202
Water SourceGroundwater
Last State InspectionJan 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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

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