228 Inverrary Dr, Destin, FL 32541 Property Records

Okaloosa County property record for 228 Inverrary Dr, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 2,513 sqft · built 2021
Lot Size	0.084 acres (3,664 sqft)
Owner	Individual Name on File
Last Sale	$775,000 (Nov 2024)
Tax Bill	$6,951 (2025)
Deeds & Mortgages	Feb 2021 Construction Loan Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-3591-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-3591-7`
Alternative APN	`00-2S-22-0068-000B-0080`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	2,513 sqft Heated Area
Gross Area	3,088 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2021
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Concrete Tile
Lot Area	3,664 sqft (0.084 acres)
Garage Type	Finished
Porch	Open Porch
Patio Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	228 INVERRARY DR
City	DESTIN
State	FL
Zip	32541-5754
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CALUSA BAY S/D LOT 8 BLK B
Legal Range	22
Legal Township	02S
Legal Subdivision	CALUSA BAY S/D
Legal Block	B
Legal Lot Number	8
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2006
Census Tract	23308

Owner

228 Inverrary Dr is owned and occupied by an individual who bought it in November 2024.

Source: Okaloosa County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	228 INVERRARY DR, DESTIN, FL 32541-5754
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 3, 2021	Deed of Trust, Mortgage · Construction Mortgage PEOPLES NATIONAL BANK
Apr 27, 2022	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Nov 23, 2021	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2024 · Amount on File
Deed Sale	Nov 13, 2024 · Amount on File
Prior Sale	Apr 27, 2022 · Amount on File
Deed Document Number	3722403
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	228 INVERRARY DR, DESTIN, FL 32541-5754
Transaction Type	Mortgage
Record Updated	Feb 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1028 STERLING POINT PL, GULF BREEZE, FL 32563-5462

Mortgage

Document Number	0035224752
Date	Feb 3, 2021
Book Page	3522/4752
Instrument	3427020

Lender

Name	PEOPLES NATIONAL BANK
Type	Bank
Address	NICEVILLE, FL 32578

Agreement

Type	Construction Mortgage
Amount	Amount on Record

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 27, 2022
Property Address	228 INVERRARY DR, DESTIN, FL 32541-5754
Document Number	0036182575
Book / Page	3618 / 2575
Map Reference	MB 18 PG 24&25
Instrument Date	Apr 13, 2022
Instrument	3545433
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,293.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	995 AIRPORT RD UNIT 57, 57, DESTIN, FL 32541-1853

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 INVERRARY DR, DESTIN, FL 32541-5754

Mortgage

Document Number	0036182579
Date	Apr 27, 2022
Instrument	3618/2579

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 23, 2021
Property Address	228 INVERRARY DR, DESTIN, FL 32541-5754
Document Number	0035884941
Book / Page	3588 / 4941
Map Reference	MB 18 PG 24&25
Instrument Date	Nov 19, 2021
Instrument	3507623
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	MEAD LAW AND TITLE, MEAD LAW & TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,195.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1028 STERLING POINT PL, GULF BREEZE, FL 32563-5462

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 INVERRARY DR, DESTIN, FL 32541-5754

Mortgage

Document Number	0035884943
Date	Nov 23, 2021
Instrument	3588/4943

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 228 Inverrary Dr was $6,951 with a homeowner's exemption.

Source: Okaloosa County assessment roll, as of July 1, 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	$6,951.00 Homeowner's exemption	$698,549 Land $117,429 Building $581,120	$698,549 Land $117,429 Building $581,120
2023	$7,771.00 (+14.13%) Homeowner's exemption	$768,214 (+21.11%) Land $106,549 Building $661,665	$768,214 (+21.11%) Land $106,549 Building $661,665
2022	$6,809.00	$634,287 Land $84,229 Building $550,058	$634,287 Land $84,229 Building $550,058

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

Flood

FEMA maps place 228 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 2021) 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 228 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.

Nearby Properties on Inverrary Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures