Okaloosa County property record for 328 Summit Dr, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,508 sqft · built 1983 |
| Lot Size | 0.232 acres (10,124 sqft) |
| Owner | Individual Name on File |
| Last Sale | $472,500 (Jun 2026) |
| Tax Bill | $1,106 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-4821-5 |
| Primary APN | C56-000-590-4821-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,508 sqft Living Area |
| Gross Area | 3,014 sqft |
| 1st Floor Area | 468 sqft |
| Upper Floors Area | 884 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 10,124 sqft (0.232 acres) |
| Lot Width | 75 ft Width |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Porch | Open/Unfinished Porch |
| Porch Area | 453 sqft |
| Patio Area | 441 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 328 SUMMIT DR |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2330 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BEACONVIEW LOT 19 |
| Legal Subdivision | BEACONVIEW |
| Legal Lot Number | 19 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 23307 |
Source: Okaloosa County records · APN C56-000-590-4821-5
Assessment roll updated December 31, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 328 SUMMIT DR, DESTIN, FL 32541-2330 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Jun 17, 2026 | Warranty Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Nov 05, 2020 | Deed of Trust, Mortgage · Conventional Mortgage EGLIN FCU |
| Aug 07, 2017 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 17, 2026 · Amount on Record |
| Deed Sale | Jun 17, 2026 · Amount on Record |
| Prior Sale | Sep 05, 2008 · Amount on Record |
| Deed Document Number | 20263823026 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 17, 2026 |
| Property Address | 328 SUMMIT DR, DESTIN, FL 32541-2330 |
| Document Number | 0003823026 |
| Instrument Date | Jun 17, 2026 |
| Instrument | 20263823026 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | VINTAGE TITLE AND ESCROW INC, VINTAGE TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $334,057.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 328 SUMMIT DR, DESTIN, FL 32541-2330 |
| Document Number | 0003823027, |
|---|---|
| Date | Jun 17, 2026 |
| Instrument | 20263823027 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 328 SUMMIT DR, DESTIN, FL 32541-2330 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0035033171 |
|---|---|
| Date | Nov 05, 2020 |
| Book Page | 3503/3171 |
| Instrument | 3404992 |
| Name | EGLIN FCU |
|---|---|
| Type | Credit Union |
| Address | FORT WALTON BEACH, FL 32547 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 328 SUMMIT DR, DESTIN, FL 32541-2330 |
| Document Number | 0033130880 |
| Book / Page | 003313 / 000880 |
| Instrument Date | Aug 07, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 08, 2017 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 328 SUMMIT DR #D DESTIN FL 325412330, D, DESTIN, FL 32541-2330 |
| Document Number | 0033130880 |
|---|---|
| Date | Aug 14, 2017 |
| Book Page | 003313/000880 |
| Instrument | 3153718 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETRORT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 13, 2047 |
Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Destin City |
| Unified School District | Okaloosa County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,106.00 (+7.07%) Homeowner's exemption | $132,503 (+5.99%) | $340,442 (+13.36%) Land $140,080 Building $200,362 |
| 2023 | $1,033.00 (+3.4%) Homeowner's exemption | $125,018 (+3%) | $300,308 (+7.54%) Land $97,534 Building $202,774 |
| 2022 | $999.00 Homeowner's exemption | $121,377 | $279,252 Land $88,667 Building $190,585 |
Source: FEMA National Flood Hazard Layer as of March 8, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 21 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 21 in force |
| Wildfire Risk | Not rated no burnable land within 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 478 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | DESTIN WATER USERS, INC. private · serves 31,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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