Okaloosa County property record for 77 Crystal Beach Dr, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 8 bd · 9.5 ba · 5,358 sqft · built 1995 |
| Lot Size | 0.172 acres (7,499 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,480,000 (Oct 2023) |
| Tax Bill | $17,612 (2025) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-5874-5 |
| Primary APN | C56-000-589-5874-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 8 Beds |
|---|---|
| Full Baths | 9.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 5,358 sqft Living Area |
| Gross Area | 6,082 sqft |
| 1st Floor Area | 2,443 sqft |
| Upper Floors Area | 1,221 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 7,499 sqft (0.172 acres) |
| Lot Width | 50 ft Width |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Driveway | Driveway |
| Porch | Finished/Open Porch |
| Porch Area | 438 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 77 CRYSTAL BEACH DR |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3529 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CRYSTAL BEACH LOT 17 BLK 8 |
| Legal Subdivision | CRYSTAL BEACH |
| Legal Block | 8 |
| Legal Lot Number | 17 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 23308 |
77 Crystal Beach Dr is owned by two individuals who bought it in October 2023.
Source: Okaloosa County records, as of January 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2520 WESTGATE DR, HOUSTON, TX 77019-6610 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 16, 2023 · Amount on File |
| Deed Sale | Oct 16, 2023 · Amount on File |
| Prior Sale | Apr 8, 2011 · Amount on File |
| Deed Document Number | 20233652288 |
| Prior Transfer Date | Jun 29, 2016 |
| Prior Transfer Doc | 0032544585 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Oct 16, 2023 |
| Property Address | 77 CRYSTAL BEACH DR, DESTIN, FL 32541-3529 |
| Document Number | 0003652288 |
| Map Reference | MB 1 PG 17 |
| Instrument Date | Oct 13, 2023 |
| Instrument | 3652288 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2023 |
| Title Company | AQUA TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $10,360.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 37 MILE RD, MONTEBELLO, NY 10901-3918 |
| Name | Verified Name |
|---|---|
| Address | 2520 WESTGATE DR, HOUSTON, TX 77019-6610 |
| Document Number | 0003652289 |
|---|---|
| Date | Oct 16, 2023 |
| Instrument | 3652289 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
The 2025 property tax bill for 77 Crystal Beach Dr was $17,612.
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 | $17,612.00 | $1,487,085 Land $566,284 Building $920,801 | $1,487,085 Land $566,284 Building $920,801 |
| 2023 | $11,615.00 (+10.9%) | $1,115,089 (+13.86%) Land $513,822 Building $601,267 | $1,115,089 (+13.86%) Land $513,822 Building $601,267 |
| 2022 | $10,473.00 | $979,336 Land $467,111 Building $512,225 | $979,336 Land $467,111 Building $512,225 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 77 Crystal Beach Dr 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 1995) 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 77 Crystal Beach Dr 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 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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