Okaloosa County property record for 75 Sunfish St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,234 sqft · built 1994 |
| Lot Size | 0.124 acres (5,389 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,050,000 (Jul 2026) |
| Tax Bill | $11,182 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Feb 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-3847-1 |
| Primary APN | C56-000-590-3847-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 2,234 sqft Living Area |
| Gross Area | 2,888 sqft |
| 1st Floor Area | 1,053 sqft |
| Upper Floors Area | 1,181 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,389 sqft (0.124 acres) |
| Lot Width | 50 ft Width |
| Porch | Florida Room |
| Porch Area | 488 sqft |
| Patio Area | 228 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 75 SUNFISH ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3736 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KOKOMO KOVE LOT 20 |
| Legal Subdivision | KOKOMO KOVE |
| Legal Lot Number | 20 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 23308 |
Source: Okaloosa County records, as of July 30, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 75 SUNFISH ST, DESTIN, FL 32541-3736 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Woman, Separate Property |
| Date | Document |
|---|---|
| Jul 21, 2026 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Feb 4, 2022 | Warranty Deed, Transfer AQUA TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 21, 2026 · Amount on Record |
| Deed Sale | Jul 21, 2026 · Amount on Record |
| Prior Sale | Feb 4, 2022 · Amount on Record |
| Deed Document Number | 20263828844 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 21, 2026 |
| Property Address | 75 SUNFISH ST, DESTIN, FL 32541-3736 |
| Document Number | 0003828844 |
| Instrument Date | Jul 17, 2026 |
| Instrument | 20263828844 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | MCNEESE TITLE LLC, MCNEESE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $742,350.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 75 SUNFISH ST, DESTIN, FL 32541-3736 |
| Document Number | 0003828845, |
|---|---|
| Date | Jul 21, 2026 |
| Instrument | 20263828845 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Feb 4, 2022 |
| Property Address | 75 SUNFISH ST, DESTIN, FL 32541-3736 |
| Document Number | 0036024313 |
| Book / Page | 3602 / 4313 |
| Map Reference | MB 11 PG 89 |
| Instrument Date | Jan 3, 2022 |
| Instrument | 3524653 |
| Transaction Type | Transfer |
| Record Updated | Mar 8, 2022 |
| Title Company | AQUA TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $8,225.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 45 PINE KNOLL LN, 45, SANTA ROSA BEACH, FL 32459-4589 |
| Name | Verified Name |
|---|---|
| Address | 409 BRASHEAR ST, LAFAYETTE, LA 70506-3609 |
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Destin City |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,182.00 (+13.96%) | $958,749 (+16.72%) Land $509,656 Building $449,093 | $958,749 (+16.72%) Land $509,656 Building $449,093 |
| 2023 | $9,812.00 (+251.56%) | $821,424 (+204.13%) Land $411,058 Building $410,366 | $821,424 (+5.37%) Land $411,058 Building $410,366 |
| 2022 | $2,791.00 Homeowner's exemption | $270,094 | $779,587 Land $373,689 Building $405,898 |
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 |
|---|---|
| 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 |
|
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 1994) 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 | 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.
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 |
| 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 459 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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