Okaloosa County property record for 69 Garnet Pl, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,509 sqft · built 2001 |
| Lot Size | 0.202 acres (8,799 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $970,000 (Oct 2025) |
| Tax Bill | $3,577 (2025) |
| Deeds & Mortgages | Feb 2026 Transfer Oct 2025 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-7919-6 |
| Primary APN | C56-000-589-7919-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,509 sqft Living Area |
| Gross Area | 3,302 sqft |
| 1st Floor Area | 2,509 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Concrete |
| Lot Area | 8,799 sqft (0.202 acres) |
| Garage Type | Attached |
| Garage Area | 509 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 284 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 69 GARNET PL |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3766 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EMERALD BAY PH 1-B LOT 19 BLK U |
| Legal Subdivision | EMERALD BAY PH 1-B |
| Legal Phase | 1 |
| Legal Block | U |
| Legal Lot Number | 19 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 23308 |
Source: Okaloosa County records, as of March 6, 2026
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 Record |
|---|---|
| Mailing Address | 69 GARNET PL, DESTIN, FL 32541-3766 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Feb 9, 2026 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Oct 6, 2025 | Warranty Deed, Transfer BEACHLAND TITLE SERVICES LLC, BEACH LAND AND TTL SVCS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 6, 2025 · Amount on Record |
| Deed Sale | Oct 6, 2025 · Amount on Record |
| Prior Sale | Nov 15, 2000 · Amount on Record |
| Deed Document Number | 20253776157 |
| Prior Transfer Date | Oct 6, 2015 |
| Prior Transfer Doc | 0032241632 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Feb 9, 2026 |
| Property Address | 69 GARNET PL, DESTIN, FL 32541-3766 |
| Document Number | 0003797596 |
| Map Reference | MB 13 PG 8&9 |
| Instrument Date | Feb 3, 2026 |
| Instrument | 3797596 |
| Transaction Type | Transfer |
| Record Updated | Mar 3, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 69 GARNET PL, DESTIN, FL 32541-3766 |
| Name | Verified Name |
|---|---|
| Address | 515 REGATTA BAY BLVD, DESTIN, FL 32541-5336 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Oct 6, 2025 |
| Property Address | 69 GARNET PL, DESTIN, FL 32541-3766 |
| Document Number | 0003776157 |
| Map Reference | MB 13 PG 8&9 |
| Instrument Date | Oct 6, 2025 |
| Instrument | 3776157 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2025 |
| Title Company | BEACHLAND TITLE SERVICES LLC, BEACH LAND AND TTL SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $6,790.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 69 GARNET PL, DESTIN, FL 32541-3766 |
| Name | Verified Name |
|---|---|
| Address | 69 GARNET PL, DESTIN, FL 32541-3766 |
Source: Okaloosa County assessment roll, as of December 31, 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 | $3,577.00 (+2.99%) | $377,769 (+2.9%) | $658,636 (-5.4%) Land $163,225 Building $495,411 |
| 2024 | $3,473.00 (+2.33%) Homeowner's exemption | $367,122 (+3%) | $696,222 (+3.12%) Land $144,454 Building $551,768 |
| 2023 | $3,394.00 (+2.32%) Homeowner's exemption | $356,429 (+3%) | $675,161 (+17.09%) Land $135,004 Building $540,157 |
| 2022 | $3,317.00 Homeowner's exemption | $346,048 | $576,621 Land $122,731 Building $453,890 |
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.
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 2001) 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 |
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 | 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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