227 Inverrary Dr, Destin, FL 32541 Property Records

Okaloosa County property record for 227 Inverrary Dr, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,840 sqft · built 2002
Lot Size	0.069 acres (3,020 sqft)
Owner	2 Individual Names on File
Last Sale	$488,900 (Mar 2023)
Tax Bill	$4,173 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Feb 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-3612-1`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-3612-1`
Alternative APNs	`00-2S-22-0068-000C-0110` `22S2000068000C0110`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,840 sqft Living Area
Gross Area	2,400 sqft
1st Floor Area	720 sqft
Upper Floors Area	1,120 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	3,020 sqft (0.069 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Florida Room
Porch Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	227 INVERRARY DR
City	DESTIN
State	FL
Zip	32541-5756
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CALUSA BAY S/D LOT 11 BLK C
Legal Subdivision	CALUSA BAY S/D
Legal Block	C
Legal Lot Number	11
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2003
Census Tract	23308

Owner

227 Inverrary Dr is owned and occupied by two individuals who bought it in March 2023.

Source: Okaloosa County records, as of September 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	227 INVERRARY DR, DESTIN, FL 32541-5756
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2023	Special Warranty Deed, Transfer · FHA Mortgage TOTAL MORTAGAGE SERVICES LLC
Feb 1, 2021	Special Warranty Deed, Transfer ACHIEVE TITLE SERVICES INC, ACHIEVE TITLE SERVICES LLC
Dec 18, 2020	Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2023 · Amount on File
Deed Sale	Mar 23, 2023 · Amount on File
Prior Sale	Feb 1, 2021 · Amount on File
Deed Document Number	20233613350
Deed Book / Page	3667 / 1708
Prior Transfer Date	Dec 18, 2020
Prior Transfer Doc	0035131455
Record Updated	Oct 29, 2026

March 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 23, 2023
Property Address	227 INVERRARY DR, DESTIN, FL 32541-5756
Document Number	0036671708
Book / Page	3667 / 1708
Map Reference	MB 18 PG 24&25
Instrument Date	Mar 3, 2023
Instrument	3613350
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	ACHIEVE TITLE SERVICES INC, ACHIEVE TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,422.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3401 BAYSHORE BLVD UNIT 1401, 1401, TAMPA, FL 33629-8991

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 INVERRARY DR, DESTIN, FL 32541-5756

Mortgage

Document Number	0036671710
Date	Mar 23, 2023
Instrument	3667/1710

Lender

Name	TOTAL MORTAGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

February 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 1, 2021
Property Address	227 INVERRARY DR, DESTIN, FL 32541-5756
Document Number	0035221102
Book / Page	3522 / 1102
Map Reference	MB 18 PG 24&25
Instrument Date	Dec 31, 2020
Instrument	3426214
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	ACHIEVE TITLE SERVICES INC, ACHIEVE TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Tax	$2,240.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1406 N DALE MABRY HWY # HWY300, HWY300, TAMPA, FL 33607-2506

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2900 W JULIA ST UNIT 1401, 1401, TAMPA, FL 33629

December 2020: Foreclosure

Document Type	Foreclosure
Jurisdiction	OKALOOSA FL
Recording Date	Dec 18, 2020
Property Address	227 INVERRARY DR, DESTIN, FL 32541-5756
Document Number	0035131455
Book / Page	003513 / 001455
Instrument Date	Dec 7, 2020
Instrument	3416170
Transaction Type	Foreclosure
Record Updated	Jan 14, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$2,006.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1406 N DALE MABRY HWY #300 TAMPA FL 336072506, 300, TAMPA, FL 33607-2506
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 227 Inverrary Dr was $4,173.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,173.00	$396,851 Land $117,429 Building $279,422	$396,851 Land $117,429 Building $279,422
2023	$4,232.00 (+15.31%)	$448,639 (+21.77%) Land $106,549 Building $342,090	$448,639 (+21.77%) Land $106,549 Building $342,090
2022	$3,670.00	$368,438 Land $84,229 Building $284,209	$368,438 Land $84,229 Building $284,209

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 227 Inverrary Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1995.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (1995–2018)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2018 · other causes

Coastal Barrier Resources

Source: USFWS Coastal Barrier Resources System, as of December 19, 2024

Coastal Barrier Resources System	Yes
Unit	P32 “Moreno Point”
Unit Type	System Unit
Designated	Oct 18, 1982
NFIP Eligibility	Not eligible (built 2002) built after the Oct 1, 1983 cutoff · private flood insurance only

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

Wildfire risk around 227 Inverrary Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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	SOUTH WALTON UTILITY COMPANY private · serves 26,668 people · EPA ID FL1660615
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	3 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 248 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

May also be available: T-Mobile, Wildstar Networks.

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