198 Grand Key Loop W, Destin, FL 32541 Property Records

Okaloosa County property record for 198 Grand Key Loop W, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,040 sqft · built 2012
Lot Size	0.026 acres (1,150 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,000 (Jul 2020)
Tax Bill	$8,554 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jul 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-598-9072-3`

Property Details

APN / Parcel Number

Primary APN	`C56-000-598-9072-3`
Alternative APNs	`00-2S-22-1125-0000-0420` `22S200112500000420`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,040 sqft Living Area
Gross Area	2,250 sqft
1st Floor Area	1,065 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	1,150 sqft (0.026 acres)
Porch	Finished/Open Porch
Porch Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	198 GRAND KEY LOOP W
City	DESTIN
State	FL
Zip	32541-3536
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAGES OF CRYSTAL BEACH LOT 42
Legal Subdivision	VILLAGES OF CRYSTAL BEACH
Legal Lot Number	42
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1012
Census Tract	23308

Owner

Source: Okaloosa County records, as of August 27, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	7706 GARDEN OAKS DR, AMARILLO, TX 79119-6585
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2020	Deed of Trust, Mortgage · Conventional with PMI AMARILLO NAT'L BK
Jul 2, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Jan 23, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Mar 12, 2019	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2020 · Amount on Record
Deed Sale	Jul 2, 2020 · Amount on Record
Prior Sale	Mar 12, 2019 · Amount on Record
Deed Document Number	20203370299
Deed Book / Page	3473 / 50
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	198 GRAND KEY LOOP W, DESTIN, FL 32541-3536
Document Number	0034730052
Instrument Date	Jun 30, 2020
Transaction Type	Mortgage
Record Updated	Aug 25, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 GRAND KEY LOOP W DESTIN FL 325413536, DESTIN, FL 32541-3536

Mortgage

Document Number	0034730052
Date	Jul 2, 2020
Book Page	003473/000052
Instrument	3370300

Lender

Name	AMARILLO NAT'L BK
Type	Bank
Address	PO BOX BASS 2606 FLIET, FLINT, MI 48501

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	60 Months
Due	Jul 1, 2025

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 2, 2020
Property Address	198 GRAND KEY LOOP W, DESTIN, FL 32541-3536
Document Number	0034730050
Book / Page	003473 / 000050
Instrument Date	Jun 30, 2020
Instrument	3370299
Transaction Type	Transfer
Record Updated	Aug 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$3,780.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4015 PINEHURST DR AMARILLO TX 791095031, AMARILLO, TX 79109-5031

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	198 GRAND KEY LOOP W, DESTIN, FL 32541-3536
Document Number	0034411932
Instrument Date	Jan 23, 2020
Transaction Type	Mortgage
Record Updated	Feb 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	198 GRAND KEY LOOP W NICEVILLE FL 32578, NICEVILLE, FL 32578

Mortgage

Document Number	0034411932
Date	Jan 30, 2020
Book Page	003441/001932
Instrument	3333942

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 29, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 12, 2019
Property Address	198 GRAND KEY LOOP W, DESTIN, FL 32541-3536
Document Number	0033883268
Book / Page	3388 / 3268
Map Reference	MB 22 PG 75-78
Instrument Date	Mar 8, 2019
Instrument	3263864
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,458.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 RALPH RAWLS RD, 107, HATTIESBURG, MS 39402-1063

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11275 US HIGHWAY 98 W, MIRAMAR BEACH, FL 32550-6954

Mortgage

Document Number	0003263865
Date	Mar 12, 2019
Instrument	3263865

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Municipality	Destin City
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,554.00 (+4.47%)	$790,249 (-6.5%) Land $308,588 Building $481,661	$790,249 (-6.5%) Land $308,588 Building $481,661
2023	$8,188.00 (+15.1%)	$845,166 (+21.63%) Land $280,000 Building $565,166	$845,166 (+21.63%) Land $280,000 Building $565,166
2022	$7,114.00	$694,879 Land $225,000 Building $469,879	$694,879 Land $225,000 Building $469,879

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 95 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	251 units insured incl. 156 condo units
Nearby Flood Claims	51 (1983–2005)
Claims Outside the SFHA	39 of 51
Most Recent Claim	Jul 2005 · Hurricane Dennis
Claims by Event	Hurricane Frances, Oct 2004 · 6 claims Hurricane Georges, Sep 1998 · 4 claims Hurricane Opal, Oct 1995 · 38 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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 579 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	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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