68 Cobia St, Destin, FL 32541 Property Records

Okaloosa County property record for 68 Cobia St, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	6 bd · 5.5 ba · 3,126 sqft · built 1990
Lot Size	0.172 acres (7,499 sqft)
Owner	Individual Name on File
Last Sale	$855,000 (Mar 2017)
Tax Bill	$13,389 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Jan 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-5832-3`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-5832-3`
Alternative APNs	`00-2S-22-0580-0006-0080` `22S200058000060080`

Interior

Bedrooms	6 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,126 sqft Living Area
Gross Area	3,813 sqft
1st Floor Area	1,592 sqft
Upper Floors Area	1,415 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,499 sqft (0.172 acres)
Lot Width	50 ft Width
Garage Type	Detached
Garage Area	500 sqft
Porch	Finished/Open Porch
Porch Area	712 sqft
Patio Area	331 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	68 COBIA ST
City	DESTIN
State	FL
Zip	32541-3618
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRYSTAL BEACH LOT 8 BLK 6
Legal Subdivision	CRYSTAL BEACH
Legal Block	6
Legal Lot Number	8
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1018
Census Tract	23308

Owner

68 Cobia St is owned by an individual who acquired it in January 2021.

Source: Okaloosa County records, as of January 14, 2026

Owner of Record	Individual Name on File
Mailing Address	1396 BRAWLEY CIR NE, BROOKHAVEN, GA 30319-1749
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage GEORGIAS OWN CU
Jan 21, 2021	Intrafamily Transfer, Transfer
Mar 28, 2017	Warranty Deed, Transfer · Commercial Mortgage NORTH AMERICAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 28, 2017 · Amount on File
Deed Sale	Mar 28, 2017 · Amount on File
Prior Sale	Feb 14, 2013 · Amount on File
Deed Document Number	20173125686
Deed Book / Page	3292 / 4945
Last Transfer Date	Jan 18, 2021
Transfer Doc	0035200236
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	68 COBIA ST, DESTIN, FL 32541-3618
Transaction Type	Mortgage
Record Updated	Feb 13, 2024
Title Company	MOULTON LAND TITLE INC, MOULTON LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1396 BRAWLEY CIR NE, BROOKHAVEN, GA 30319-1749

Mortgage

Document Number	0036162582
Date	Apr 18, 2022
Book Page	3616/2582
Instrument	3542752

Lender

Name	GEORGIAS OWN CU
Type	Credit Union
Address	ATLANTA, GA 30303

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Jan 21, 2021
Property Address	68 COBIA ST, DESTIN, FL 32541-3618
Document Number	0035200236
Book / Page	3520 / 236
Map Reference	MB 1 PG 17
Instrument Date	Jan 18, 2021
Instrument	3423748
Transaction Type	Transfer
Record Updated	Feb 13, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1396 BRAWLEY CIR NE, BROOKHAVEN, GA 30319-1749

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 28, 2017
Property Address	68 COBIA ST, DESTIN, FL 32541-3618
Document Number	0032924945
Book / Page	3292 / 4945
Map Reference	MB1 PG17
Instrument Date	Mar 24, 2017
Instrument	3125686
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,985.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	981 HIGHWAY 98 E # E3143, 981, DESTIN, FL 32541-2801

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1396 BRAWLEY CIR NE, BROOKHAVEN, GA 30319-1749

Mortgage

Document Number	0003125687
Date	Mar 28, 2017
Instrument	3125687

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 68 Cobia St was $13,389.

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	$13,389.00	$1,130,559 Land $566,284 Building $564,275	$1,130,559 Land $566,284 Building $564,275
2023	$12,919.00 (+10.53%)	$1,098,712 (+13.28%) Land $513,822 Building $584,890	$1,098,712 (+13.28%) Land $513,822 Building $584,890
2022	$11,688.00	$969,905 Land $467,111 Building $502,794	$969,905 Land $467,111 Building $502,794

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

Flood

FEMA maps place 68 Cobia St 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	Hurricane Frances, Oct 2004 · 6 claims Hurricane Georges, Sep 1998 · 4 claims Hurricane Opal, Oct 1995 · 38 claims

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

Wildfire risk around 68 Cobia St is low, with less than a 0.01% annual chance of wildfire.

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	Under 0.01% annual chance
Exposure	None beyond 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 579 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 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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