276 Ketch Ct, Destin, FL 32541 Property Records

Okaloosa County property record for 276 Ketch Ct, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,197 sqft · built 2002
Lot Size	0.171 acres (7,475 sqft)
Owner	Individual Name on Record
Last Sale	$518,500 (Mar 2020)
Tax Bill	$4,253 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-590-1027-2`

Property Details

APN / Parcel Number

Primary APN	`C56-000-590-1027-2`
Alternative APN	`00-2S-22-2094-000B-0130`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,197 sqft Heated Area
Gross Area	2,939 sqft
1st Floor Area	1,416 sqft
Upper Floors Area	781 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Concrete Tile
Lot Area	7,475 sqft (0.171 acres)
Garage Type	Finished
Garage Area	478 sqft
Porch	Open Porch
Porch Area	264 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	276 KETCH CT
City	DESTIN
State	FL
Zip	32541-5726
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REGATTA PATIO HOMES LOT 13 BLK B
Legal Range	22
Legal Township	02S
Legal Subdivision	REGATTA PATIO HOMES
Legal Block	B
Legal Lot Number	13
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2001
Census Tract	23308

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	276 KETCH CT, DESTIN, FL 32541-5726
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Mar 18, 2020	Warranty Deed, Transfer · Conventional Mortgage PROGRESS BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2020 · Amount on Record
Deed Sale	Mar 18, 2020 · Amount on Record
Prior Sale	Nov 18, 2004 · Amount on Record
Deed Document Number	3345618
Deed Book / Page	3450 / 2839
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	276 KETCH CT, DESTIN, FL 32541-5726
Transaction Type	Mortgage
Record Updated	Jul 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	276 KETCH CT, DESTIN, FL 32541-5726

Mortgage

Document Number	0035563005
Date	Jun 29, 2021
Book Page	3556/3005
Instrument	3467361

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 18, 2020
Property Address	276 KETCH CT, DESTIN, FL 32541-5726
Document Number	0034502839
Book / Page	3450 / 2839
Map Reference	MB 18 PG 1&2
Instrument Date	Mar 13, 2020
Instrument	3345618
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	MCGILL ESCROW AND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,629.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4075 W MADURA RD, 4075, GULF BREEZE, FL 32563-3563

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1301 QUAIL RIDGE LN, PERRY, GA 31069-4575

Mortgage

Document Number	0034502840
Date	Mar 18, 2020
Instrument	3450/2840

Lender

Name	PROGRESS BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

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	$4,253.00 (+5.3%) Homeowner's exemption	$442,077 (+5.99%)	$682,311 (+11.55%) Land $193,177 Building $489,134
2023	$4,039.00 (+2.28%) Homeowner's exemption	$417,105 (+3%)	$611,685 (+18.19%) Land $170,175 Building $441,510
2022	$3,949.00 Homeowner's exemption	$404,956	$517,524 Land $147,338 Building $370,186

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
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

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	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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