Okaloosa County property record for 247 Inverrary Dr, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,417 sqft · built 1999 |
| Lot Size | 0.112 acres (4,861 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $465,000 (Aug 2021) |
| Tax Bill | $3,901 (2025) |
| Deeds & Mortgages | May 2022 Mortgage Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-3602-2 |
| Primary APN | C56-000-589-3602-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,417 sqft Living Area |
| Gross Area | 2,010 sqft |
| 1st Floor Area | 937 sqft |
| Upper Floors Area | 480 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Lot Area | 4,861 sqft (0.112 acres) |
| Garage Type | Attached |
| Garage Area | 273 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 20 sqft |
| Patio Area | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 247 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 1 BLK C |
| Legal Subdivision | CALUSA BAY S/D |
| Legal Block | C |
| Legal Lot Number | 1 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 23308 |
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 | 2392 LIMESTONE RD, WILMINGTON, DE 19808-4127 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 9, 2022 | Deed of Trust, Mortgage · Conventional Mortgage M & T BANK |
| Aug 26, 2021 | Warranty Deed, Transfer · Conventional Mortgage M & T BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 2021 · Amount on Record |
| Deed Sale | Aug 26, 2021 · Amount on Record |
| Prior Sale | Oct 9, 2006 · Amount on Record |
| Deed Document Number | 20213483736 |
| Deed Book / Page | 3569 / 4020 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 247 INVERRARY DR, DESTIN, FL 32541-5756 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2024 |
| Name | Verified Name |
|---|---|
| Address | 109 MARATHON DR, MIDDLETOWN, DE 19709-7603 |
| Document Number | 0036203585 |
|---|---|
| Date | May 9, 2022 |
| Book Page | 3620/3585 |
| Instrument | 3548382 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 352 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Aug 26, 2021 |
| Property Address | 247 INVERRARY DR, DESTIN, FL 32541-5756 |
| Document Number | 0035694020 |
| Book / Page | 3569 / 4020 |
| Map Reference | MB 18 PG 24&25 |
| Instrument Date | Aug 25, 2021 |
| Instrument | 3483736 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,255.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 770 HARBOR BLVD # BLVD7D, BLVD7D, DESTIN, FL 32541-2576 |
| Name | Verified Name |
|---|---|
| Address | 109 MARATHON DR, MIDDLETOWN, DE 19709-7603 |
| Document Number | 0035694022 |
|---|---|
| Date | Aug 26, 2021 |
| Instrument | 3569/4022 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,901.00 (-2.65%) | $370,968 (-6.28%) Land $129,171 Building $241,797 | $370,968 (-6.28%) Land $129,171 Building $241,797 |
| 2023 | $4,007.00 (+15.01%) | $395,806 (+21.95%) Land $117,204 Building $278,602 | $395,806 (+21.95%) Land $117,204 Building $278,602 |
| 2022 | $3,484.00 | $324,560 Land $92,652 Building $231,908 | $324,560 Land $92,652 Building $231,908 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
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 1999) 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.
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.
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 |
| 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.
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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