Okaloosa County property record for 36 Garnet Pl, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,845 sqft · built 1996 |
| Lot Size | 0.201 acres (8,799 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $421,000 (Jan 2020) |
| Tax Bill | $7,083 (2025) |
| Deeds & Mortgages | Jan 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-7907-1 |
| Primary APN | C56-000-589-7907-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,845 sqft Heated Area |
| Gross Area | 3,675 sqft |
| 1st Floor Area | 2,845 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Clay Tile |
| Lot Area | 8,799 sqft (0.201 acres) |
| Garage Type | Finished |
| Garage Area | 518 sqft |
| Porch | Open Porch |
| Porch Area | 242 sqft |
| Patio Area | 90 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 36 GARNET PL |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3765 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EMERALD BAY PH 1-B LOT 7 BLK U |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | EMERALD BAY PH I-B |
| Legal Phase | 1 |
| Legal Block | U |
| Legal Lot Number | 7 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 23308 |
Source: Okaloosa County assessment roll, as of July 1, 2025
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 File |
|---|---|
| Mailing Address | 1032 NAPA WAY, NICEVILLE, FL 32578-3934 |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 16, 2020 · Amount on Record |
| Deed Sale | Jan 16, 2020 · Amount on Record |
| Prior Sale | Apr 17, 2003 · Amount on Record |
| Deed Document Number | 3331078 |
| Deed Book / Page | 3439 / 0943 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jan 16, 2020 |
| Property Address | 36 GARNET PL, DESTIN, FL 32541-3765 |
| Document Number | 0034390943 |
| Book / Page | 003439 / 000943 |
| Instrument Date | Jan 15, 2020 |
| Instrument | 3331078 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,947.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 36 GARNET PL DESTIN FL 325413765, DESTIN, FL 32541-3765 |
| Document Number | 34390952 |
|---|---|
| Date | Jan 16, 2020 |
| Book Page | 003439/000952 |
| Instrument | 3331079 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 15, 2050 |
Source: Okaloosa County assessment roll, as of July 1, 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 | $7,083.00 (+6.42%) | $673,582 (-1.77%) Land $163,225 Building $510,357 | $673,582 (-1.77%) Land $163,225 Building $510,357 |
| 2023 | $6,656.00 (+7.16%) | $685,748 (+7.06%) Land $135,004 Building $550,744 | $685,748 (+7.06%) Land $135,004 Building $550,744 |
| 2022 | $6,211.00 | $640,515 Land $122,731 Building $517,784 | $640,515 Land $122,731 Building $517,784 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 1996) 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 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 221 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 | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Wildstar Networks.
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