Okaloosa County property record for 197 Durango Rd, Unit 3D, Destin, FL 32541
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 1 ba · 852 sqft · built 1982 |
| Lot Size | 2 acres (91,336 sqft) |
| Owner | Company Name on Record |
| Last Sale | $388,900 (Aug 2026) |
| Tax Bill | $3,789 (2025) |
| Deeds & Mortgages | Aug 2026 Sale Jan 2026 Transfer + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | C56-000-591-0348-1 |
| Primary APN | C56-000-591-0348-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Units | 23 Units |
| Stories | 3 Stories |
| Building Area | 852 sqft Living Area |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Condo/Apartment |
| Lot Area | 91,336 sqft (2 acres) |
| Community Room | Community Room |
| Street Address | 197 DURANGO RD, 3D |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3080 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | SUN KING TOWERS PHASE I UNIT 3D BLDG 2 |
| Legal Subdivision | SUN KING TOWERS |
| Legal Phase | 1 |
| Legal Block | 2 |
| Legal Lot Number | 3D |
| 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 August 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 15787 331 BUSINESS, FREEPORT, FL 32439-0237 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Aug 3, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Jan 7, 2026 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Feb 27, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK |
| Oct 25, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 3, 2026 · Amount on Record |
| Deed Sale | Aug 3, 2026 · Amount on Record |
| Prior Sale | Apr 18, 2024 · Amount on Record |
| Deed Document Number | 20263831051 |
| Prior Transfer Date | Oct 23, 2017 |
| Prior Transfer Doc | 0033232070 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Aug 3, 2026 |
| Property Address | 197 DURANGO RD, 3D, DESTIN, FL 32541-3080 |
| Document Number | 0003831051 |
| Instrument Date | Jul 28, 2026 |
| Instrument | 20263831051 |
| Transaction Type | Transfer |
| Record Updated | Aug 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $274,952.30 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 15787 331 BUSINESS, FREEPORT, FL 32439-0237 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jan 7, 2026 |
| Property Address | 197 DURANGO RD UNIT 3D, 3D, DESTIN, FL 32541-3080 |
| Document Number | 0003791970 |
| Map Reference | MB 2 PG 43-47 |
| Instrument Date | Dec 22, 2025 |
| Instrument | 3791970 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 288 MARSH DR, FREEPORT, FL 32439-2249 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 288 MARSH DR, FREEPORT, FL 32439-2249 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Feb 27, 2023 |
| Property Address | 197 DURANGO RD UNIT 3D, 3D, DESTIN, FL 32541-3080 |
| Document Number | 0036632979 |
| Book / Page | 3663 / 2979 |
| Map Reference | MB 1139 PG 1809 |
| Instrument Date | Feb 24, 2023 |
| Instrument | 3608266 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,485.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7588 E COUNTY HIGHWAY 30A6, INLET BEACH, FL 32461 |
| Name | Verified Name |
|---|---|
| Address | 65 PRESWICK PARK DR, NEWNAN, GA 30265-2025 |
| Document Number | 0036632981 |
|---|---|
| Date | Feb 27, 2023 |
| Instrument | 3663/2981 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.62% |
| Type Change Date | Mar 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11.6% |
| Index | Other |
| Max Rate | 11.6% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Oct 25, 2017 |
| Property Address | 197 DURANGO RD UNIT 3D, 3D, DESTIN, FL 32541-3080 |
| Document Number | 0033232070 |
| Book / Page | 003323 / 002070 |
| Instrument Date | Oct 23, 2017 |
| Instrument | 3168611 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
Source: Okaloosa County assessment roll, as of December 31, 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 | $3,789.00 (+6.64%) | $320,000 (-) Building $320,000 | $320,000 (-) Building $320,000 |
| 2023 | $3,553.00 (+13.04%) | $320,000 (+18.52%) Building $320,000 | $320,000 (+18.52%) Building $320,000 |
| 2022 | $3,143.00 | $270,000 Building $270,000 | $270,000 Building $270,000 |
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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