Okaloosa County property record for 197 Durango Rd, Unit 2A, Destin, FL 32541
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,035 sqft · built 1982 |
| Lot Size | 2.09 acres (91,336 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $164,500 (Nov 2018) |
| Tax Bill | $4,855 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | C56-000-591-0340-8 |
| Primary APN | C56-000-591-0340-8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Building Area | 1,035 sqft Heated Area |
| Year Built | Built 1982 |
|---|---|
| Lot Area | 91,336 sqft |
| Street Address | 197 DURANGO RD UNIT 2A, 2A |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3080 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | SUN KING TOWERS PHASE I UNIT 2A BLDG 2 |
| Legal Range | 24 |
| Legal Township | 02S |
| Legal Subdivision | SUN KING TOWERS PH I |
| Legal Phase | 1 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 23303 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 195 DURANGO RD UNIT 6C, 6C, DESTIN, FL 32541-3070 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WHITNEY BANK |
| Nov 2, 2020 | Deed of Trust, Mortgage DELMAR FIN'L |
| Nov 9, 2018 | Warranty Deed, Transfer · Conventional Mortgage WHITNEY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 9, 2018 · Amount on Record |
| Deed Sale | Nov 9, 2018 · Amount on Record |
| Prior Sale | Aug 9, 2012 · Amount on Record |
| Deed Document Number | 3242851 |
| Deed Book / Page | 3374 / 3327 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 197 DURANGO RD UNIT 2A, 2A, DESTIN, FL 32541-3080 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2021 |
| Title Company | COTTON LAND TITLE INC, COTTON LAND TITLE |
| Name | Verified Name |
|---|---|
| Address | 197 DURANGO RD 2A, 2A, DESTIN, FL 32541-3080 |
| Document Number | 0035303950 |
|---|---|
| Date | Mar 9, 2021 |
| Book Page | 3530/3950 |
| Instrument | 3436095 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Address | GULFPORT, MS 39501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 197 DURANGO RD UNIT 2A, 2A, DESTIN, FL 32541-3080 |
| Document Number | 0035050679 |
| Instrument Date | Nov 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2020 |
| Title Company | MCNEESE TITLE LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 197 DURANGO RD #5C DESTIN FL 325413080, 5C, DESTIN, FL 32541-3080 |
| Document Number | 0035050679 |
|---|---|
| Date | Nov 12, 2020 |
| Book Page | 003505/000679 |
| Instrument | 3406799 |
| Name | DELMAR FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | SAINT LOUIS, MO 63141 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Nov 11, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Nov 9, 2018 |
| Property Address | 197 DURANGO RD UNIT 2A, 2A, DESTIN, FL 32541-3080 |
| Document Number | 0033743327 |
| Book / Page | 3374 / 3327 |
| Map Reference | MB1139 PG1809 |
| Instrument Date | Nov 2, 2018 |
| Instrument | 3242851 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | AQUA TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 223 DURANGO RD # RD3C, 223, DESTIN, FL 32541-3093 |
| Name | Verified Name |
|---|---|
| Address | 197 DURANGO RD UNIT 2A, 2A, DESTIN, FL 32541-3080 |
| Document Number | 0003242852 |
|---|---|
| Date | Nov 9, 2018 |
| Instrument | 3242852 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2048 |
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 | $4,855.00 (+7.36%) | $410,000 (-) Building $410,000 | $410,000 (-) Building $410,000 |
| 2023 | $4,522.00 (+17.27%) | $410,000 (+28.13%) Building $410,000 | $410,000 (+28.13%) Building $410,000 |
| 2022 | $3,856.00 | $320,000 Building $320,000 | $320,000 Building $320,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 8.0 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 |
|
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: 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 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 |
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