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317 Summit Dr, Destin, FL 32541 Property Records

Okaloosa County property record for 317 Summit Dr, Destin, FL 32541 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,042 sqft · built 2003
Lot Size0.313 acres (13,642 sqft)
OwnerIndividual Name on File
Last Sale$340,000 (Apr 2015)
Tax Bill$3,286 (2025)
Deeds & MortgagesJun 2021 Mortgage
Mar 2020 Line of Credit
Flood ZoneZone X (minimal risk)
APNC56-000-590-4811-6

Property Details

APN / Parcel Number

Primary APNC56-000-590-4811-6
Alternative APN
  • 00-2S-22-4400-0000-0090

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories3 Stories
Building Area2,042 sqft Heated Area
Gross Area4,054 sqft
1st Floor Area1,088 sqft
Upper Floors Area954 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2003
Exterior MaterialVinyl
Roof TypeGable/Hip
Roof MaterialMasonite/Cement Shake
Lot Area13,642 sqft (0.313 acres)
Lot Width75 ft Width
Garage TypeCarport
CarportCarport
PorchOpen Porch
Porch Area536 sqft
Patio Area420 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address317 SUMMIT DR
CityDESTIN
StateFL
Zip32541-2330
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBEACONVIEW LOT 9
Legal Range22
Legal Township02S
Legal SubdivisionBEACONVIEW
Legal Lot Number9
JurisdictionOKALOOSA FL
Township / Civil DivisionFORT WALTON BEACH
Census Block Group2
Census Block2003
Census Tract23307

Owner

Source: Okaloosa County records · APN C56-000-590-4811-6

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address317 SUMMIT DR, DESTIN, FL 32541-2330
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 16, 2021Deed of Trust, Mortgage · VA Mortgage
PENNYMAC LOAN SERVICES LLC
Mar 27, 2020Deed of Trust, Mortgage · Line of Credit
BANK OF AMERICA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 24, 2015 · Amount on Record
Deed SaleApr 24, 2015 · Amount on Record
Prior SaleNov 02, 2012 · Amount on Record
Deed Document Number2992385
Deed Book / Page3194 / 2658
Record UpdatedJun 08, 2026

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address317 SUMMIT DR, DESTIN, FL 32541-2330
Transaction TypeMortgage
Record UpdatedFeb 13, 2024

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0035534433
DateJun 16, 2021
Book Page3553/4433
Instrument3463941
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2051

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address317 SUMMIT DR, DESTIN, FL 32541-2330
Document Number0034562270
Instrument DateMar 27, 2020
Transaction TypeMortgage
Record UpdatedJun 15, 2020
Title CompanyTITLE 365

Transferred To (Grantee/Buyer)

NameVerified Name
Address317 SUMMIT DR DESTIN FL 325412330, DESTIN, FL 32541-2330

Mortgage

Document Number0034562270
DateApr 16, 2020
Book Page003456/002270
Instrument3352074
Lender
NameBANK OF AMERICA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueApr 15, 2050
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
MunicipalityDestin City
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,286.00 (+5.76%) Homeowner's exemption$316,511 (+5.99%)$551,161 (+8.6%) Land $168,096 Building $383,065
2023$3,107.00 (+2.54%) Homeowner's exemption$298,632 (+3%)$507,511 (+6.64%) Land $117,041 Building $390,470
2022$3,030.00 Homeowner's exemption$289,934$475,930 Land $106,401 Building $369,529

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120910233072, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 21 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies21 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 478 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
LiveOak FiberFiber5,000 / 5,000
AT&TFiber5,000 / 5,000
Cox CommunicationsCable2,000 / 35
VerizonFixed Wireless300 / 20
AT&TFixed Wireless100 / 20
T-Mobile USAFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Cox Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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