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

Okaloosa County property record for 202 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	$1,049,000 (Jun 2022)
Tax Bill	$9,567 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Oct 2021 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`C56-000-598-9070-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-598-9070-7`
Alternative APNs	`00-2S-22-1125-0000-0400` `22S200112500000400`

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	202 GRAND KEY LOOP W
City	DESTIN
State	FL
Zip	32541-3524
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAGES OF CRYSTAL BEACH LOT 40
Legal Subdivision	VILLAGES OF CRYSTAL BEACH
Legal Lot Number	40
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	68 W LAKE PASS, NEWNAN, GA 30263-4666
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2022	Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK
Oct 29, 2021	Warranty Deed, Transfer · Line of Credit SOUTHERN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2022 · Amount on Record
Deed Sale	Jun 8, 2022 · Amount on Record
Prior Sale	Oct 29, 2021 · Amount on Record
Deed Document Number	20223555763
Deed Book / Page	3626 / 1747
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 8, 2022
Property Address	202 GRAND KEY LOOP W, DESTIN, FL 32541-3524
Document Number	0036261747
Book / Page	3626 / 1747
Map Reference	MB 22 PG 75
Instrument Date	Jun 2, 2022
Instrument	3555763
Transaction Type	Transfer
Record Updated	Jul 8, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,343.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1335 N FENCHURCH LN, 1335, SPRINGFIELD, MO 65802-2478

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	68 W LAKE PASS, NEWNAN, GA 30263-4666

Mortgage

Document Number	0036261749
Date	Jun 8, 2022
Instrument	3626/1749

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Jul 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	9.12%
Index	Other
Margin	3
Max Rate	9.12%

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 29, 2021
Property Address	202 GRAND KEY LOOP W, DESTIN, FL 32541-3524
Document Number	0035834058
Book / Page	3583 / 4058
Map Reference	MB 22 PG 75
Instrument Date	Oct 29, 2021
Instrument	3501166
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	KETCHERSID LAND & TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	230 N ADAMS ST, 230, PAPILLION, NE 68046-3137

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1335 N FENCHURCH LN, SPRINGFIELD, MO 65802-2478
Investor	Possibly a Property Investor

Mortgage

Document Number	35834060
Date	Oct 29, 2021
Instrument	3583/4060

Lender

Name	SOUTHERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	85 Months
Due	Nov 5, 2028

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	$9,567.00 (-7.91%)	$807,808 (-7.12%) Land $308,588 Building $499,220	$807,808 (-7.12%) Land $308,588 Building $499,220
2023	$10,389.00 (+24.08%)	$869,705 (+25.16%) Land $280,000 Building $589,705	$869,705 (+25.16%) Land $280,000 Building $589,705
2022	$8,373.00	$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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