Okaloosa County property record for 82 Dolphin St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,548 sqft · built 2015 |
| Lot Size | 0.172 acres (7,499 sqft) |
| Owner | Company Name on Record |
| Last Sale | $1,400,000 (Feb 2022) |
| Tax Bill | $12,704 (2025) |
| Deeds & Mortgages | Oct 2017 Mortgage Mar 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-6110-3 |
| Primary APN | C56-000-589-6110-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,548 sqft Living Area |
| Gross Area | 3,188 sqft |
| 1st Floor Area | 2,548 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,499 sqft (0.172 acres) |
| Lot Width | 50 ft Width |
| Garage Type | Detached |
| Garage Area | 500 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 640 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 82 DOLPHIN ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3647 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CRYSTAL BEACH S/D LOT 4 BLK 26 |
| Legal Subdivision | CRYSTAL BEACH S/D |
| Legal Block | 26 |
| Legal Lot Number | 4 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 23308 |
Source: Okaloosa County records, as of January 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 | Company Name on Record |
|---|---|
| Mailing Address | 12150 CASPER CT, RANCHO CUCAMONGA, CA 91739-2292 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Oct 25, 2017 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Mar 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Feb 1, 2022 | Warranty Deed, Transfer · Commercial Mortgage AMRES CORPORATION |
| Mar 16, 2020 | Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 1, 2022 · Amount on Record |
| Deed Sale | Feb 1, 2022 · Amount on Record |
| Prior Sale | Mar 16, 2020 · Amount on Record |
| Deed Document Number | 20223523604 |
| Deed Book / Page | 3601 / 4822 |
| Prior Transfer Date | Feb 13, 2015 |
| Prior Transfer Doc | 0031850729 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 82 DOLPHIN ST, DESTIN, FL 32541-3647 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0033231448 |
|---|---|
| Date | Oct 25, 2017 |
| Book Page | 3323/1448 |
| Instrument | 3168445 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Government Agency |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 82 DOLPHIN ST, DESTIN, FL 32541-3647 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4224 W 81ST ST, TULSA, OK 74132-2523 |
| Document Number | 0035283390 |
|---|---|
| Date | Mar 1, 2021 |
| Book Page | 3528/3390 |
| Instrument | 3433656 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Feb 1, 2022 |
| Property Address | 82 DOLPHIN ST, DESTIN, FL 32541-3647 |
| Document Number | 0036014822 |
| Book / Page | 3601 / 4822 |
| Map Reference | MB 1 PG 17 |
| Instrument Date | Jan 26, 2022 |
| Instrument | 3523604 |
| Transaction Type | Transfer |
| Record Updated | Mar 8, 2022 |
| Title Company | AQUA TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,800.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 64 PRIVATE CT, 64, MIRAMAR BEACH, FL 32550-5245 |
| Name | Verified Name |
|---|---|
| Address | 12150 CASPER CT, RANCHO CUCAMONGA, CA 91739-2292 |
| Document Number | 0036014824 |
|---|---|
| Date | Feb 1, 2022 |
| Instrument | 3601/4824 |
| Name | AMRES CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Mar 16, 2020 |
| Property Address | 82 DOLPHIN ST, DESTIN, FL 32541-3647 |
| Document Number | 0034494728 |
| Book / Page | 003449 / 004728 |
| Instrument Date | Mar 12, 2020 |
| Instrument | 3344818 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2020 |
| Title Company | DOCPROBE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,690.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4224 W 81ST ST TULSA OK 741322523, TULSA, OK 74132-2523 |
| Document Number | 34494730 |
|---|---|
| Date | Mar 16, 2020 |
| Book Page | 003449/004730 |
| Instrument | 3344819 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 15, 2050 |
Source: Okaloosa County assessment roll, as of December 31, 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 | $12,704.00 (+1.77%) | $1,072,734 (+2.66%) Land $566,284 Building $506,450 | $1,072,734 (+2.66%) Land $566,284 Building $506,450 |
| 2023 | $12,483.00 (+27.81%) | $1,044,969 (+13.03%) Land $513,822 Building $531,147 | $1,044,969 (+13.03%) Land $513,822 Building $531,147 |
| 2022 | $9,767.00 | $924,526 Land $467,111 Building $457,415 | $924,526 Land $467,111 Building $457,415 |
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 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 |
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