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

Okaloosa County property record for 228 Grand Key Loop W, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 2,572 sqft · built 2007
Lot Size	0.027 acres (1,187 sqft)
Owner	2 Individual Names on File
Last Sale	$975,000 (Apr 2026)
Tax Bill	$10,419 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Jan 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-598-9058-2`

Property Details

APN / Parcel Number

Primary APN	`C56-000-598-9058-2`
Alternative APNs	`00-2S-22-1125-0000-0280` `22S200112500000280`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,572 sqft Living Area
Gross Area	3,100 sqft
1st Floor Area	1,017 sqft
Upper Floors Area	1,555 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	1,187 sqft (0.027 acres)
Porch	Finished/Open Porch
Porch Area	528 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	228 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 28
Legal Subdivision	VILLAGES OF CRYSTAL BEACH
Legal Lot Number	28
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1011
Census Tract	23308

Owner

228 Grand Key Loop W is owned by two individuals who bought it in April 2026.

Source: Okaloosa County records, as of April 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2096 ABBOTT DR, BUFORD, GA 30519-5531
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
Apr 7, 2026	Warranty Deed, Transfer · Conventional Mortgage BARRETT FINANCIAL GROUP LLC
Jan 26, 2022	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 9, 2021	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING
Mar 16, 2017	Warranty Deed, Transfer NBC BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2026 · Amount on File
Deed Sale	Apr 7, 2026 · Amount on File
Prior Sale	Jan 26, 2022 · Amount on File
Deed Document Number	20263809000
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 7, 2026
Property Address	228 GRAND KEY LOOP W, DESTIN, FL 32541-3524
Document Number	0003809000
Instrument Date	Apr 6, 2026
Instrument	20263809000
Transaction Type	Transfer
Record Updated	Apr 16, 2026
Title Company	NAUTILUS TITLE AND ESCROW, NAUTILUS TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$689,325.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2096 ABBOTT DR, BUFORD, GA 30519-5531
Investor	Possibly a Property Investor

Mortgage

Document Number	0003809001,
Date	Apr 7, 2026
Instrument	20263809001

Lender

Name	BARRETT FINANCIAL GROUP LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 26, 2022
Property Address	228 GRAND KEY LOOP W, DESTIN, FL 32541-3524
Document Number	0036004827
Book / Page	3600 / 4827
Map Reference	MB 22 PG 75-78
Instrument Date	Dec 22, 2021
Instrument	3522503
Transaction Type	Transfer
Record Updated	Mar 7, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$4,200.00
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	228 GRAND KEY LOOP W, 228, DESTIN, FL 32541-3524

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 EMERALD ESTATES CT, SAINT CHARLES, MO 63304-4507

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 9, 2021
Property Address	228 GRAND KEY LOOP W, DESTIN, FL 32541-3524
Document Number	0035383143
Book / Page	3538 / 3143
Map Reference	MB 22 PG 75-78
Instrument Date	Apr 7, 2021
Instrument	3445419
Transaction Type	Transfer
Record Updated	May 19, 2021
Title Company	CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,460.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12153 LAS HURDES AVE, 12153, LAS VEGAS, NV 89138-4548

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 GRAND KEY LOOP W, DESTIN, FL 32541-3524

Mortgage

Document Number	35383145
Date	Apr 9, 2021
Instrument	3538/3145

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 16, 2017
Property Address	228 GRAND KEY LOOP W, DESTIN, FL 32541-3524
Document Number	0032911580
Book / Page	3291 / 1580
Map Reference	MB22 PG75
Instrument Date	Mar 8, 2017
Instrument	3123348
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	EMERLALD COAST TITLE SERVICE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	717 CARTER ST, 717, VIDALIA, LA 71373-3203

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7905 SHREVE RD, FALLS CHURCH, VA 22043-3406

Mortgage

Document Number	0003123349
Date	Mar 16, 2017
Instrument	3123349

Lender

Name	NBC BANK
Type	Non-Lending Institution

Agreement

Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 228 Grand Key Loop W was $10,419.

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	$10,419.00	$879,766 Land $308,588 Building $571,178	$879,766 Land $308,588 Building $571,178
2023	$10,640.00 (+15.63%)	$950,618 (+24.48%) Land $280,000 Building $670,618	$950,618 (+24.48%) Land $280,000 Building $670,618
2022	$9,202.00	$763,652 Land $225,000 Building $538,652	$763,652 Land $225,000 Building $538,652

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

Flood

FEMA maps place 228 Grand Key Loop W in Zone X, an area of minimal flood risk, though there have been 51 flood claims nearby since 1983.

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 File 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

The area around 228 Grand Key Loop W has no burnable land within ember reach, so its wildfire risk is not rated.

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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