Okaloosa County property record for 81 Sunfish St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,604 sqft · built 1992 |
| Lot Size | 0.172 acres (7,499 sqft) |
| Owner | Company Name on Record |
| Last Sale | $1,000,000 (Feb 2023) |
| Tax Bill | $12,193 (2025) |
| Deeds & Mortgages | Dec 2025 Second Mortgage Sep 2023 Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | C56-000-590-3850-5 |
| Primary APN | C56-000-590-3850-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 2,604 sqft Heated Area |
| Gross Area | 3,358 sqft |
| 1st Floor Area | 1,704 sqft |
| Upper Floors Area | 900 sqft |
| Flooring | Hardwood |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,499 sqft (0.172 acres) |
| Lot Width | 50 ft Width |
| Porch | Open Porch |
|---|---|
| Porch Area | 588 sqft |
| Deck Area | Deck Area |
| Patio Area | 166 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 81 SUNFISH ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3736 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KOKOMO KOVE LOT 23 |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | KOKOMO KOVE |
| Legal Lot Number | 23 |
| 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 | 3225 MCLEOD DR # 100, 100, LAS VEGAS, NV 89121-2257 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Dec 2, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage VISTA POINT MORTGAGE LLC |
| Sep 14, 2023 | Deed of Trust, Mortgage · Conventional Mortgage NEXERA HOLDING LLC |
| Feb 15, 2023 | Warranty Deed, Transfer · Commercial Mortgage RCN CAPITAL LLC |
| Sep 11, 2018 | Warranty Deed, Transfer ANGEL OAK HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 15, 2023 · Amount on Record |
| Deed Sale | Feb 15, 2023 · Amount on Record |
| Prior Sale | Sep 11, 2018 · Amount on Record |
| Deed Document Number | 3606311 |
| Deed Book / Page | 3662 / 1292 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 81 SUNFISH ST, DESTIN, FL 32541-3736 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3226 MCLEOD DR 100, 100, LAS VEGAS, NV 89121-2241 |
| Document Number | 0003786760 |
|---|---|
| Date | Dec 2, 2025 |
| Instrument | 3786760 |
| Name | VISTA POINT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92614 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 81 SUNFISH ST, DESTIN, FL 32541-3736 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2023 |
| Title Company | AQUA TITLE |
| Name | Verified Name |
|---|---|
| Address | 3225 MCLEOD DR 100, 100, LAS VEGAS, NV 89121-2257 |
| Document Number | 0036913736 |
|---|---|
| Date | Sep 14, 2023 |
| Book Page | 3691/3736 |
| Instrument | 3647161 |
| Name | NEXERA HOLDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | EMERYVILLE, CA 94608 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Feb 15, 2023 |
| Property Address | 81 SUNFISH ST, DESTIN, FL 32541-3736 |
| Document Number | 0036621292 |
| Book / Page | 3662 / 1292 |
| Map Reference | MB 11 PG 89 |
| Instrument Date | Feb 13, 2023 |
| Instrument | 3606311 |
| Transaction Type | Transfer |
| Record Updated | Mar 10, 2023 |
| Title Company | AQUA TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,000.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 550 W MAIN STFORTH, KNOXVILLE, TN 37902 |
| Name | Verified Name |
|---|---|
| Address | 3225 MCLEOD DR # 100, 100, LAS VEGAS, NV 89121-2257 |
| Document Number | 0036621294 |
|---|---|
| Date | Feb 15, 2023 |
| Instrument | 3662/1294 |
| Name | RCN CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Mar 1, 2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 11, 2018 |
| Property Address | 81 SUNFISH ST, DESTIN, FL 32541-3736 |
| Document Number | 0033670176 |
| Book / Page | 003367 / 000176 |
| Instrument Date | Aug 31, 2018 |
| Instrument | 3231578 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2018 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,655.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9508 TWELVE TREES LN KNOXVILLE TN 379223428, KNOXVILLE, TN 37922-3428 |
| Document Number | 33670178 |
|---|---|
| Date | Sep 11, 2018 |
| Book Page | 003367/000178 |
| Instrument | 3231579 |
| Name | ANGEL OAK HM LOANS |
|---|---|
| Address | ATLANTA, GA 30305 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 10, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.37% |
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 | $12,193.00 (+26.68%) | $1,029,589 (+2.27%) Land $566,284 Building $463,305 | $1,029,589 (+2.27%) Land $566,284 Building $463,305 |
| 2023 | $9,625.00 (+11.01%) | $1,006,744 (+13.89%) Land $513,822 Building $492,922 | $1,006,744 (+13.89%) Land $513,822 Building $492,922 |
| 2022 | $8,670.00 | $883,938 Land $467,111 Building $416,827 | $883,938 Land $467,111 Building $416,827 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 |
|
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 1992) 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.
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.
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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