74 Siesta Bluff, Destin, FL 32541 Property Records

Okaloosa County property record for 74 Siesta Bluff, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,122 sqft · built 1999
Lot Size	0.201 acres (8,740 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (Aug 2011)
Tax Bill	$6,321 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Nov 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-3796-2`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-3796-2`
Alternative APNs	`00-2S-22-0072-0000-0620` `22S200007200000620`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,122 sqft Living Area
Gross Area	4,562 sqft
1st Floor Area	1,172 sqft
Upper Floors Area	1,230 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	8,740 sqft (0.201 acres)
Garage Type	Attached
Garage Area	720 sqft
Porch	Open/Unfinished Porch
Porch Area	1,218 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	74 SIESTA BLF
City	DESTIN
State	FL
Zip	32541-4773
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DESTINY EAST PH I LOT 62
Legal Subdivision	DESTINY EAST PH I
Legal Phase	1
Legal Lot Number	62
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1025
Census Tract	23308

Owner

Source: Okaloosa County records, as of August 27, 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	74 SIESTA BLF, DESTIN, FL 32541-4773
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO
Nov 15, 2021	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jan 22, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2011 · Amount on Record
Deed Sale	Aug 31, 2011 · Amount on Record
Deed Document Number	20112726332
Deed Book / Page	2999 / 3098
Last Transfer Date	Oct 19, 2021
Transfer Doc	0035871256
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	74 SIESTA BLF, DESTIN, FL 32541-4773
Transaction Type	Mortgage
Record Updated	Feb 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 SIESTA BLUFF, DESTIN, FL 32541-4773

Mortgage

Document Number	0035980312
Date	Jan 10, 2022
Book Page	3598/312
Instrument	3518787

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Nov 15, 2021
Property Address	74 SIESTA BLF, DESTIN, FL 32541-4773
Document Number	0035871256
Book / Page	3587 / 1256
Map Reference	MB 16 PG 23
Instrument Date	Oct 19, 2021
Instrument	3505462
Transaction Type	Transfer
Record Updated	Feb 24, 2023
Title Company	ATTORNEY ONLY, 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
Address	74 SIESTA BLUFF, DESTIN, FL 32541-4773

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Jan 22, 2021
Property Address	74 SIESTA BLF, DESTIN, FL 32541-4773
Document Number	0035201916
Book / Page	3520 / 1916
Map Reference	MB 16 PG 23
Instrument Date	Jan 14, 2021
Instrument	3424113
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	PRESTIGE TTL OF BREVARD LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	74 SIESTA BHUFFM, DESTIN, FL 32541

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	74 SIESTA BLF, DESTIN, FL 32541-4773

Mortgage

Document Number	0035201917
Date	Jan 22, 2021
Instrument	3520/1917

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

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	$6,321.00 (+5.44%) Homeowner's exemption	$572,770 (+5.99%)	$1,031,020 (-0.8%) Land $384,264 Building $646,756
2023	$5,995.00 (+2.32%) Homeowner's exemption	$540,416 (+3%)	$1,039,354 (+21.21%) Land $258,270 Building $781,084
2022	$5,859.00 Homeowner's exemption	$524,676	$857,499 Land $234,791 Building $622,708

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
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 1999) 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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