Okaloosa County property record for 78 Dolphin St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,426 sqft · built 1979 |
| Lot Size | 0.172 acres (7,499 sqft) |
| Owner | Individual Name on File |
| Last Sale | $410,000 (May 2018) |
| Tax Bill | $8,169 (2025) |
| Deeds & Mortgages | May 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-6108-7 |
| Primary APN | C56-000-589-6108-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,426 sqft Heated Area |
| Gross Area | 1,510 sqft |
| 1st Floor Area | 1,066 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 7,499 sqft (0.172 acres) |
| Lot Width | 50 ft Width |
| Garage Area | 264 sqft |
| Porch | Open Porch |
| Porch Area | 84 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 78 DOLPHIN ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3647 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CRYSTAL BCH LOT 2 BLK 26 |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | CRYSTAL BEACH |
| Legal Block | 26 |
| Legal Lot Number | 2 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 23308 |
78 Dolphin St is owned by an individual who bought it in May 2018.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | PO BOX 1292, NORMAN, OK 73070-1292 |
| Owner Type | Individual |
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 | May 10, 2018 · Amount on File |
| Deed Sale | May 10, 2018 · Amount on File |
| Prior Sale | Apr 15, 2004 · Amount on File |
| Deed Document Number | 3206179 |
| Deed Book / Page | 3349 / 3161 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | May 10, 2018 |
| Property Address | 78 DOLPHIN ST, DESTIN, FL 32541-3647 |
| Document Number | 0033493161 |
| Book / Page | 3349 / 3161 |
| Map Reference | MB1 PG17 |
| Instrument Date | May 7, 2018 |
| Instrument | 3206179 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4042 DRIFTING SAND TRL, 4042, DESTIN, FL 32541-3302 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1292, NORMAN, OK 73070-1292 |
| Document Number | 0003206180 |
|---|---|
| Date | May 10, 2018 |
| Instrument | 3206180 |
| Name | SUNTRUST MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2033 |
The 2025 property tax bill for 78 Dolphin St was $8,169.
Source: Okaloosa County assessment roll, as of July 1, 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 | $8,169.00 | $732,539 Land $566,284 Building $166,255 | $732,539 Land $566,284 Building $166,255 |
| 2023 | $7,259.00 (+9.69%) | $686,881 (+11.49%) Land $513,822 Building $173,059 | $686,881 (+11.49%) Land $513,822 Building $173,059 |
| 2022 | $6,618.00 | $616,074 Land $467,111 Building $148,963 | $616,074 Land $467,111 Building $148,963 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 78 Dolphin St 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 |
|
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 78 Dolphin St 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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