Okaloosa County property record for 196 Bent Arrow Dr, Destin, FL 32541
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 2 ba · 1,040 sqft · built 1981 |
| Lot Size | 0.065 acres (2,869 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $70,000 (Dec 1998) |
| Tax Bill | $410 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-5045-0 |
| Primary APN | C56-000-590-5045-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,040 sqft Heated Area |
| Gross Area | 1,100 sqft |
| 1st Floor Area | 1,040 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 2,869 sqft (0.065 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 196 BENT ARROW DR |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2556 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | INDIAN OAKS 1ST ADD LOT 26 BLK A |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | INDIAN OAKS 1ST ADDN |
| Legal Block | A |
| Legal Lot Number | 26 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 23307 |
196 Bent Arrow Dr, a townhouse, is owned and occupied by two individuals who bought it in December 1998.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 196 BENT ARROW DR, DESTIN, FL 32541-2556 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 17, 1998 · Amount on File |
| Deed Sale | Dec 17, 1998 · Amount on File |
| Deed Document Number | 0021923616 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 196 BENT ARROW DR, DESTIN, FL 32541-2556 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 196 BENT ARROW DR, DESTIN, FL 32541-2556 |
| Document Number | 0035590040 |
|---|---|
| Date | Jul 7, 2021 |
| Book Page | 3559/40 |
| Instrument | 3469943 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 1, 2036 |
The 2025 property tax bill for 196 Bent Arrow Dr was $410 with a homeowner's exemption.
Source: Okaloosa County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Destin City |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $410.00 Homeowner's exemption | $71,216 | $222,715 Land $85,000 Building $137,715 |
| 2023 | $392.00 (+1.55%) Homeowner's exemption | $67,193 (+3%) | $230,037 (+61.08%) Land $85,000 Building $145,037 |
| 2022 | $386.00 Homeowner's exemption | $65,236 | $142,810 Land $40,000 Building $102,810 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 196 Bent Arrow Dr in Zone X, an area of minimal flood risk, though there have been 96 flood claims nearby since 1982.
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 |
| Flood Insurance Cost | Premium on File median of 24 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 96 (1982–2014) |
| Claims Outside the SFHA | 50 of 96 |
| Most Recent Claim | Apr 2014 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding |
| Claims by Event |
|
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.
The area around 196 Bent Arrow Dr has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 322 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 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: CenturyLink, T-Mobile.
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