Okaloosa County property record for 32 Calypso Cay, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 3,720 sqft · built 2005 |
| Lot Size | 0.082 acres (3,585 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $20,765 (2025) |
| Deeds & Mortgages | Feb 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-3959-6 |
| Primary APN | C56-000-589-3959-6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Stories | 3 Stories |
| Building Area | 3,720 sqft Heated Area |
| Gross Area | 4,752 sqft |
| 1st Floor Area | 1,140 sqft |
| Upper Floors Area | 2,580 sqft |
| Interior Walls | Wallboard/Drywall |
| Elevator | Elevator |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Concrete Tile |
| Lot Area | 3,585 sqft (0.082 acres) |
| Garage Type | Finished |
| Garage Area | 400 sqft |
| Porch | Open Porch |
| Porch Area | 632 sqft |
| Patio Area | 150 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 32 CALYPSO CAY |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-5708 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DESTINY BY THE SEA S/D LOT 69 |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | DESTINY BY THE SEA S/D |
| Legal Lot Number | 69 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 23308 |
32 Calypso Cay is owner-occupied and held in a trust since May 2022.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | 2 Trust Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 32 CALYPSO CAY, DESTIN, FL 32541-5708 |
| Occupancy | Owner Occupied |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 24, 2022 |
| Deed Sale | May 24, 2022 |
| Prior Sale | Feb 27, 2014 · Amount on File |
| Deed Document Number | 0036311755 |
| Deed Book / Page | 3526 / 772 |
| Prior Transfer Date | Feb 17, 2021 |
| Prior Transfer Doc | 3430591 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Feb 17, 2021 |
| Property Address | 32 CALYPSO CAY, DESTIN, FL 32541-5708 |
| Document Number | 0035260772 |
| Book / Page | 3526 / 772 |
| Map Reference | MB 16 PG 21&22 |
| Instrument Date | Feb 5, 2021 |
| Instrument | 3430591 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | MCNEESE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,590.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3701 LONG CHAMP DR, 3701, AUSTIN, TX 78746-1116 |
| Name | Verified Name |
|---|---|
| Address | 10939 LURLINE AVE, CHATSWORTH, CA 91311-1638 |
| Document Number | 0003526774 |
|---|---|
| Date | Feb 17, 2021 |
| Instrument | 3526/774 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
The 2025 property tax bill for 32 Calypso Cay was $20,765 with a homeowner's exemption.
Source: Okaloosa County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Destin City |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $20,765.00 Homeowner's exemption | $1,792,344 Land $956,078 Building $836,266 | $1,792,344 Land $956,078 Building $836,266 |
| 2023 | $18,792.00 (+13.75%) | $1,649,845 (+20.34%) Land $642,596 Building $1,007,249 | $1,649,845 (+20.34%) Land $642,596 Building $1,007,249 |
| 2022 | $16,521.00 | $1,370,978 Land $556,906 Building $814,072 | $1,370,978 Land $556,906 Building $814,072 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 32 Calypso Cay in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| 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 |
|
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 2005) 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.
The area around 32 Calypso Cay 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.
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 |
| 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 467 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 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: CenturyLink.
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