Okaloosa County property record for 81 Dolphin St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 8 bd · 10 ba · 4,556 sqft · built 2022 |
| Lot Size | 0.344 acres (14,998 sqft) |
| Owner | Company Name on Record |
| Last Sale | $3,800,000 (Aug 2022) |
| Tax Bill | $27,982 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Aug 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-001-144-0268-8 |
| Primary APN | C56-001-144-0268-8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 8 Beds |
|---|---|
| Full Baths | 10 Baths |
| Stories | 4 Stories |
| Building Area | 4,556 sqft Heated Area |
| Gross Area | 6,684 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Custom/Decorative |
| Elevator | Elevator |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 14,998 sqft (0.344 acres) |
| Lot Width | 50 ft Width |
| Porch | Open Porch |
| Porch Area | 460 sqft |
| Patio Area | 1,212 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 81 DOLPHIN ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3636 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CRYSTAL BEACH S/D LOT 17 BLK 27 |
| Legal Subdivision | CRYSTAL BEACH S/D |
| Legal Block | 27 |
| Legal Lot Number | 17 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 23308 |
Source: Okaloosa County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 14679 BENNETT RD, NORTH ROYALTON, OH 44133-4838 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Oct 12, 2021 | Deed of Trust, Mortgage · Commercial Mortgage UNION SAVINGS BANK |
| Aug 29, 2022 | Warranty Deed, Transfer · Conventional Mortgage PROGRESS BANK & TRUST |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 29, 2022 · Amount on Record |
| Deed Sale | Aug 29, 2022 · Amount on Record |
| Deed Document Number | 3574729 |
| Deed Book / Page | 3640 / 340 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 81 DOLPHIN ST, DESTIN, FL 32541-3636 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0035800585 |
|---|---|
| Date | Oct 12, 2021 |
| Book Page | 3580/585 |
| Instrument | 3496366 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | BOCA RATON, FL 33431 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Aug 29, 2022 |
| Property Address | 81 DOLPHIN ST, DESTIN, FL 32541-3636 |
| Document Number | 0036400340 |
| Book / Page | 3640 / 340 |
| Map Reference | MB 1 PG 17 |
| Instrument Date | Aug 26, 2022 |
| Instrument | 3574729 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2024 |
| Title Company | SHORELINE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $26,600.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 955 N CHURCH ST, SANTA ROSA BEACH, FL 32459-3781 |
| Name | Verified Name |
|---|---|
| Address | 14679 BENNETT RD, NORTH ROYALTON, OH 44133-4838 |
| Document Number | 0003640344 |
|---|---|
| Date | Aug 29, 2022 |
| Instrument | 3640/344 |
| Name | PROGRESS BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Type Change Date | Sep 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.7% |
| Index | Other |
| Margin | 3 |
| Max Rate | 10.7% |
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 | $27,982.00 (+14.77%) | $2,418,998 (+18.52%) Land $424,713 Building $1,994,285 | $2,418,998 (+18.52%) Land $424,713 Building $1,994,285 |
| 2023 | $24,381.00 (+477.61%) | $2,040,925 (+482.57%) Land $385,367 Building $1,655,558 | $2,040,925 (+482.57%) Land $385,367 Building $1,655,558 |
| 2022 | $4,221.00 | $350,333 Land $350,333 | $350,333 Land $350,333 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 Record 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures