Okaloosa County property record for 75 Vista Bluffs, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,784 sqft · built 1996 |
| Lot Size | 0.234 acres (10,195 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $850,000 (Feb 2020) |
| Tax Bill | $12,260 (2025) |
| Deeds & Mortgages | Feb 2020 Mortgage Feb 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-5224-3 |
| Primary APN | C56-000-589-5224-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 3 Stories |
| Building Area | 2,784 sqft Living Area |
| Gross Area | 4,031 sqft |
| 1st Floor Area | 1,656 sqft |
| Upper Floors Area | 1,128 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Lot Area | 10,195 sqft (0.234 acres) |
| Garage Type | Attached |
| Garage Area | 630 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 419 sqft |
| Patio Area | 99 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 75 VISTA BLFS |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-4723 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DESTINY S/D LOT 33 |
| Legal Subdivision | DESTINY S/D |
| Legal Lot Number | 33 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 23308 |
75 Vista Bluffs is owned by two individuals who bought it in February 2020.
Source: Okaloosa County records, as of August 27, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 18545 VILLAGE WAY CT, BATON ROUGE, LA 70810-8908 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WHITNEY BANK |
| Feb 13, 2020 | Warranty Deed, Transfer · Conventional Mortgage WHITNEY BANK |
| Jun 9, 2017 | Loan Modification, Mortgage · Line of Credit DUPACO CMNTY CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 13, 2020 · Amount on File |
| Deed Sale | Feb 13, 2020 · Amount on File |
| Prior Sale | Apr 6, 2016 · Amount on File |
| Deed Document Number | 20203337201 |
| Deed Book / Page | 3443 / 4157 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 75 VISTA BLFS, DESTIN, FL 32541-4723 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0034452520 |
|---|---|
| Date | Feb 21, 2020 |
| Book Page | 3445/2520 |
| Instrument | 3339308 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Address | GULFPORT, MS 39502 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Feb 13, 2020 |
| Property Address | 75 VISTA BLFS, DESTIN, FL 32541-4723 |
| Document Number | 0034434157 |
| Book / Page | 3443 / 4157 |
| Map Reference | MB 14 PG 60-63 |
| Instrument Date | Feb 7, 2020 |
| Instrument | 3337201 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | AQUA TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,950.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 356 HIDEAWAY BAY DR, 356, MIRAMAR BEACH, FL 32550-6008 |
| Name | Verified Name |
|---|---|
| Address | 18016 PRESTWICK AVE, BATON ROUGE, LA 70810-7917 |
| Document Number | 0034434159 |
|---|---|
| Date | Feb 13, 2020 |
| Instrument | 3443/4159 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 75 VISTA BLFS, DESTIN, FL 32541-4723 |
| Document Number | 0033033604 |
| Book / Page | 003303 / 003604 |
| Instrument Date | Jun 9, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 75 VISTA BLUFFS DR DESTIN FL 32541, DESTIN, FL 32541 |
| Document Number | 0033033604 |
|---|---|
| Date | Jun 13, 2017 |
| Book Page | 003303/003604 |
| Instrument | 3140777 |
| Name | DUPACO CMNTY CU |
|---|---|
| Type | Credit Union |
| Address | 3299 HILLCREST, DUBUQUE, IA 52004 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 75 Vista Bluffs was $12,260.
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 | $12,260.00 | $1,120,253 Land $586,104 Building $534,149 | $1,120,253 Land $586,104 Building $534,149 |
| 2023 | $10,822.00 (+15.66%) | $1,034,491 (+23.65%) Land $393,930 Building $640,561 | $1,034,491 (+23.65%) Land $393,930 Building $640,561 |
| 2022 | $9,357.00 | $836,642 Land $341,065 Building $495,577 | $836,642 Land $341,065 Building $495,577 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 75 Vista Bluffs in Zone X, an area of minimal flood risk, though there have been 51 flood claims nearby since 1983.
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 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 |
|
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 1996) 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.
The area around 75 Vista Bluffs has no burnable land within ember reach, so its wildfire risk is not rated.
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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