37 Conch Cay, Destin, FL 32541 Property Records

Okaloosa County property record for 37 Conch Cay, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,004 sqft · built 2006
Lot Size	0.062 acres (2,699 sqft)
Owner	Company Name on Record
Last Sale	$1,615,000 (May 2022)
Tax Bill	$17,968 (2025)
Deeds & Mortgages	May 2022 Sale & Construction Loan Jul 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-3950-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-3950-5`
Alternative APNs	`00-2S-22-0075-0000-0600` `22S200007500000600`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Stories	3 Stories
Building Area	3,004 sqft Living Area
Gross Area	3,647 sqft
Upper Floors Area	3,004 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	2,699 sqft (0.062 acres)
Lot Width	30 ft Width
Garage Type	Attached
Garage Area	437 sqft
Porch	Finished/Open Porch
Porch Area	206 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	37 CONCH CAY
City	DESTIN
State	FL
Zip	32541-5710
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DESTINY BY THE SEA S/D LOT 60
Legal Subdivision	DESTINY BY THE SEA S/D
Legal Lot Number	60
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1032
Census Tract	23308

Owner

Source: Okaloosa County records, as of September 15, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	3210 NASH RD, READING, PA 19608-8966
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
May 26, 2022	Warranty Deed, Transfer · Construction Mortgage LEBANON FCU
Jul 20, 2021	Intrafamily Transfer, Transfer ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2022 · Amount on Record
Deed Sale	May 26, 2022 · Amount on Record
Prior Sale	Jul 13, 2011 · Amount on Record
Deed Document Number	20223553214
Deed Book / Page	3624 / 1568
Prior Transfer Date	Feb 15, 2011
Prior Transfer Doc	0029734417
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 26, 2022
Property Address	37 CONCH CAY, DESTIN, FL 32541-5710
Document Number	0036241568
Book / Page	3624 / 1568
Map Reference	MB 16 PG 21&22
Instrument Date	Apr 25, 2022
Instrument	3553214
Transaction Type	Transfer
Record Updated	Jun 1, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,305.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5095 HEATHROW BLVD, BRENTWOOD, TN 37027-6538

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3210 NASH RD, READING, PA 19608-8966

Mortgage

Document Number	0036241571
Date	May 26, 2022
Book Page	3624/1571
Instrument	3553215

Lender

Name	LEBANON FCU
Type	Credit Union
Address	LEBANON, PA 17042

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Jul 20, 2021
Property Address	37 CONCH CAY, DESTIN, FL 32541-5710
Document Number	0035611866
Book / Page	3561 / 1866
Map Reference	MB 16 PG 21&22
Instrument Date	Jul 6, 2021
Instrument	3473185
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	5207 HARPETH RIDGE DR, BRENTWOOD, TN 37027-6543

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Municipality	Destin City
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$17,968.00 (+2.67%)	$1,517,177 (+3.57%) Land $695,666 Building $821,511	$1,517,177 (+3.57%) Land $695,666 Building $821,511
2023	$17,500.00 (+30.71%)	$1,464,946 (+21.07%) Land $467,569 Building $997,377	$1,464,946 (+21.07%) Land $467,569 Building $997,377
2022	$13,388.00	$1,209,955 Land $397,790 Building $812,165	$1,209,955 Land $397,790 Building $812,165

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Hurricane Frances, Oct 2004 · 6 claims Hurricane Georges, Sep 1998 · 4 claims Hurricane Opal, Oct 1995 · 38 claims

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 2006) 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	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

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 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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