815 Willow St, Destin, FL 32541 Property Records

Okaloosa County property record for 815 Willow St, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,608 sqft · built 2022
Lot Size	0.195 acres (8,499 sqft)
Owner	Company Name on Record
Last Sale	$212,000 (Apr 2021)
Tax Bill	$6,636 (2025)
Deeds & Mortgages	May 2021 Sale Jun 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-4826-6`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-4826-6`
Alternative APN	`00-2S-22-0311-000A-0020`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,608 sqft Heated Area
Gross Area	3,048 sqft
1st Floor Area	1,232 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,499 sqft (0.195 acres)
Lot Width	50 ft Width
Garage Type	Finished
Porch	Open Porch
Porch Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	815 WILLOW ST
City	DESTIN
State	FL
Zip	32541-1540
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CALHOUN S/D DESTIN RE S/D PART BLK D LOT 3 BLK A
Legal Range	22
Legal Township	02S
Legal Subdivision	CALHOUN S/D
Legal Block	A,D
Legal Lot Number	3
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2005
Census Tract	23306

Owner

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	PO BOX 85, DESTIN, FL 32540-0085
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
May 5, 2021	Warranty Deed, Transfer MCNEESE TITLE LLC
Jun 20, 2017	Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK
Sep 19, 2019	Warranty Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD
Jun 29, 2018	Deed of Trust, Mortgage · Line of Credit COMPASS BK
Mar 6, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2021 · Amount on Record
Deed Sale	Apr 30, 2021 · Amount on Record
Prior Sale	Mar 6, 2017
Deed Document Number	0035441882
Deed Book / Page	3419 / 4025
Prior Transfer Date	Sep 19, 2019
Prior Transfer Doc	3305852
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 5, 2021
Property Address	815 WILLOW ST, DESTIN, FL 32541-1540
Document Number	0035441882
Book / Page	3544 / 1882
Map Reference	MB 2 PG 166
Instrument Date	Apr 30, 2021
Instrument	3452405
Transaction Type	Transfer
Record Updated	May 25, 2021
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$1,484.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	301 SHAWNEE ST, 301, ENTERPRISE, AL 36330-8029

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	913 PEACOCKS POINT DR, DESTIN, FL 32541-1664

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	815 WILLOW ST, DESTIN, FL 32541-1540
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033043306
Date	Jun 20, 2017
Book Page	3304/3306
Instrument	3142100

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 19, 2019
Property Address	815 WILLOW ST, DESTIN, FL 32541-1540
Document Number	0034194025
Book / Page	3419 / 4025
Map Reference	MB 2 PG 166
Instrument Date	Sep 13, 2019
Instrument	3305852
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	BRIGHT LIGHT LAND TTL CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,267.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5535 COUNTY HIGHWAY 3280, 5535, FREEPORT, FL 32439-5516

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 WILLOW ST, DESTIN, FL 32541-1540

Mortgage

Document Number	0034194027
Date	Sep 19, 2019
Instrument	3419-4027

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	815 WILLOW ST, DESTIN, FL 32541-1540
Document Number	0033611327
Instrument Date	Jun 29, 2018
Transaction Type	Mortgage
Record Updated	Aug 15, 2018
Title Company	LIEN SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	404 KELLY ST DESTIN FL 325411500, DESTIN, FL 32541-1500

Mortgage

Document Number	0033611327
Date	Jul 30, 2018
Book Page	003361/001327
Instrument	3222994

Lender

Name	COMPASS BK
Type	Bank
Address	GULF BREEZE, FL 32561

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 29, 2043

Interest

Rate Type	Adjustable Rate

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 6, 2017
Property Address	815 WILLOW ST, DESTIN, FL 32541-1540
Document Number	0032894527
Book / Page	003289 / 004527
Instrument Date	Mar 6, 2017
Instrument	3121264
Transaction Type	Transfer
Record Updated	Apr 10, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	15031 US BUSINESS HWY 331 #117 FREEPORT FL 32439, 117, FREEPORT, FL 32439

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 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	$6,636.00 (+1.79%)	$560,324 (+2.67%) Land $117,499 Building $442,825	$560,324 (+2.67%) Land $117,499 Building $442,825
2023	$6,519.00 (+458.61%)	$545,754 (+463.09%) Land $106,613 Building $439,141	$545,754 (+463.09%) Land $106,613 Building $439,141
2022	$1,167.00	$96,921 Land $96,921	$96,921 Land $96,921

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 76 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	136 units insured incl. 60 condo units
Nearby Flood Claims	95 (1994–2020)
Claims Outside the SFHA	64 of 95
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Frances, Sep 2004 · 18 claims Hurricane Georges, Sep 1998 · 16 claims Hurricane Opal, Oct 1995 · 45 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	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	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 244 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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