784 Spring Lake Dr, Destin, FL 32541 Property Records

Okaloosa County property record for 784 Spring Lake Dr, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,837 sqft · built 2008
Lot Size	0.461 acres (20,079 sqft)
Owner	2 Individual Names on File
Last Sale	$80,000 (Dec 2003)
Tax Bill	$4,045 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-9202-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-9202-5`
Alternative APNs	`00-2S-22-1320-0062-0010` `22S200132000620010`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,837 sqft Living Area
Gross Area	5,258 sqft
1st Floor Area	2,229 sqft
Upper Floors Area	1,608 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	20,079 sqft (0.461 acres)
Lot Width	100 ft Width
Garage Type	Attached
Garage Area	816 sqft
Driveway	Driveway
Porch	Finished/Open Porch
Porch Area	605 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	784 SPRING LAKE DR
City	DESTIN
State	FL
Zip	32541-1930
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1ST JOES BAYOU DESTIN LOT 62 EX S 200 FT
Legal Subdivision	1ST JOES BAYOU DESTIN
Legal Block	62
Legal Lot Number	62
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1019
Census Tract	23306

Owner

784 Spring Lake Dr is owned and occupied by two individuals who bought it in December 2003.

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	784 SPRING LAKE DR, DESTIN, FL 32541-1930
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2003 · Amount on File
Deed Sale	Dec 1, 2003 · Amount on File
Deed Document Number	20032077435
Deed Book / Page	2492 / 4724
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	784 SPRING LAKE DR, DESTIN, FL 32541-1930
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034904726
Date	Sep 10, 2020
Book Page	3490/4726
Instrument	3389947

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 784 Spring Lake Dr was $4,045 with a homeowner's exemption.

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	$4,045.00 Homeowner's exemption	$380,664	$718,373 Land $118,750 Building $599,623
2023	$3,830.00 (+2.43%) Homeowner's exemption	$359,161 (+3%)	$716,357 (+8.15%) Land $107,748 Building $608,609
2022	$3,739.00 Homeowner's exemption	$348,700	$662,384 Land $97,953 Building $564,431

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 784 Spring Lake Dr in Zone X, an area of minimal flood risk, though there have been 73 flood claims nearby since 1994.

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 96 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	96 in force
Nearby Flood Claims	73 (1994–2020)
Claims Outside the SFHA	47 of 73
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 16 claims Hurricane Frances, Sep 2004 · 20 claims Hurricane Opal, Oct 1995 · 21 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

Wildfire risk around 784 Spring Lake Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 271 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