77 Stingray St, Destin, FL 32541 Property Records

Okaloosa County property record for 77 Stingray St, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,917 sqft · built 1990
Lot Size	0.172 acres (7,499 sqft)
Owner	Company Name on File
Last Sale	$1,175,000 (Feb 2025)
Tax Bill	$10,692 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jun 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-5860-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-5860-4`
Alternative APNs	`00-2S-22-0580-0007-0160` `22S200058000070160`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,917 sqft Living Area
Gross Area	3,137 sqft
1st Floor Area	714 sqft
Upper Floors Area	1,203 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,499 sqft (0.172 acres)
Lot Width	50 ft Width
Garage Type	Detached
Garage Area	440 sqft
Driveway	Driveway
Porch	Finished/Open Porch
Porch Area	428 sqft
Patio Area	352 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	77 STINGRAY ST
City	DESTIN
State	FL
Zip	32541-3662
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRYSTAL BCH LOT 16 BLK 7
Legal Subdivision	CRYSTAL BCH
Legal Block	7
Legal Lot Number	16
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1017
Census Tract	23308

Owner

Source: Okaloosa County records, as of September 9, 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	Company Name on File
Mailing Address	3225 MCLEOD DR, 100, LAS VEGAS, NV 89121-2257
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage POINT MORTGAGE
Jun 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Mar 3, 2026	Deed of Trust, Mortgage · Construction Mortgage OAKTREE FUNDING CORP
Feb 19, 2025	Warranty Deed, Transfer · Conventional Mortgage NEXERA HOLDING LLC
Jul 20, 2018	Warranty Deed, Transfer · Conventional Mortgage SUNTRUST MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 19, 2025 · Amount on File
Deed Sale	Feb 19, 2025 · Amount on File
Prior Sale	Jul 20, 2018 · Amount on File
Deed Document Number	20253738094
Prior Transfer Date	May 15, 2012
Prior Transfer Doc	0030440468
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Recording Date	Aug 27, 2026
Property Address	77 STINGRAY ST, DESTIN, FL 32541-3662
Document Number	0003835653
Instrument Date	Aug 25, 2026
Instrument	20263835653
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	3225 MCLEOD DR, LAS VEGAS, NV 89121-2257

Mortgage

Document Number	0003835653,
Date	Aug 27, 2026
Instrument	20263835653

Lender

Name	POINT MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Recording Date	Jun 25, 2026
Property Address	77 STINGRAY ST, DESTIN, FL 32541-3662
Document Number	0003824514
Instrument Date	Jun 24, 2026
Instrument	20263824514
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	3225 MCLEOD DR, 100, LAS VEGAS, NV 89121-2257

Mortgage

Document Number	0003824514,
Date	Jun 25, 2026
Instrument	20263824514

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	77 STINGRAY ST, DESTIN, FL 32541-3662
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3225 MCLEOD DR, LAS VEGAS, NV 89121-2257

Mortgage

Document Number	0003801787
Date	Mar 3, 2026
Instrument	3801787

Lender

Name	OAKTREE FUNDING CORP
Type	Subprime Lender
Address	CHANDLER, AZ 85226

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	18 Months
Due	Sep 1, 2027

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 19, 2025
Property Address	77 STINGRAY ST, DESTIN, FL 32541-3662
Document Number	0003738094
Map Reference	MB 1 PG 17
Instrument Date	Feb 14, 2025
Instrument	3738094
Transaction Type	Transfer
Record Updated	Dec 9, 2025
Title Company	SOUTH OAK TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,225.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	144 INDIAN BAYOU DR, DESTIN, FL 32541-4415

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3225 MCLEAC DRIVE #100 # 100, 100, LAS VEGAS, NV 89121

Mortgage

Document Number	0003738095
Date	Feb 19, 2025
Instrument	3738095

Lender

Name	NEXERA HOLDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2055

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 20, 2018
Property Address	77 STINGRAY ST, DESTIN, FL 32541-3662
Document Number	0033594909
Book / Page	3359 / 4909
Map Reference	MB1 PG17
Instrument Date	Jul 18, 2018
Instrument	3221024
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4320 COMMONS DR W # W2316, 4320, DESTIN, FL 32541-8643

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	77 STINGRAY ST, DESTIN, FL 32541-3662

Mortgage

Document Number	0003221025
Date	Jul 20, 2018
Instrument	3221025

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

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	$10,692.00 (+11.26%)	$948,202 (+4.16%) Land $566,284 Building $381,918	$948,202 (+4.16%) Land $566,284 Building $381,918
2023	$9,610.00 (+10.63%)	$910,340 (+13.34%) Land $513,822 Building $396,518	$910,340 (+13.34%) Land $513,822 Building $396,518
2022	$8,687.00	$803,202 Land $467,111 Building $336,091	$803,202 Land $467,111 Building $336,091

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 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	Hurricane Frances, Oct 2004 · 6 claims Hurricane Georges, Sep 1998 · 4 claims Hurricane Opal, Oct 1995 · 38 claims

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 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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