Okaloosa County property record for 82 Sunfish St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 8 bd · 8 ba · 4,181 sqft · built 2020 |
| Lot Size | 0.172 acres (7,499 sqft) |
| Owner | Individual Name on File |
| Last Sale | $2,350,000 (Nov 2025) |
| Tax Bill | $21,360 (2025) |
| Deeds & Mortgages | Nov 2025 Sale & Mortgage Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-6128-5 |
| Primary APN | C56-000-589-6128-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 8 Beds |
|---|---|
| Full Baths | 8 Baths |
| Stories | 2 Stories |
| Building Area | 4,181 sqft Heated Area |
| Gross Area | 4,772 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| 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 | 591 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 82 SUNFISH ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3734 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CRYSTAL BEACH LOT 5 BLK 27 |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | CRYSTAL BEACH |
| Legal Block | 27 |
| Legal Lot Number | 5 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 23308 |
82 Sunfish St is owned by an individual who bought it in November 2025.
Source: Okaloosa County records, as of December 16, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 125 STEEPLE GATE LN, ROSWELL, GA 30076-5523 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 25, 2025 | Warranty Deed, Transfer · Conventional Mortgage SYNOVUS BANK |
| Oct 24, 2019 | Warranty Deed, Transfer · Commercial Mortgage FNBT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 25, 2025 · Amount on File |
| Deed Sale | Nov 25, 2025 · Amount on File |
| Prior Sale | Oct 24, 2019 · Amount on File |
| Deed Document Number | 3786163 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Nov 25, 2025 |
| Property Address | 82 SUNFISH ST, DESTIN, FL 32541-3734 |
| Document Number | 0003786163 |
| Map Reference | MB 1 PG 17 |
| Instrument Date | Nov 21, 2025 |
| Instrument | 3786163 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2025 |
| Title Company | ELIM TITLE LLC, RELI TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $16,450.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 338 CONCORD RD, GLEN MILLS, PA 19342-1510 |
| Name | Verified Name |
|---|---|
| Address | 125 STEEPLE GATE LN, ROSWELL, GA 30076-5523 |
| Document Number | 0003786164 |
|---|---|
| Date | Nov 25, 2025 |
| Instrument | 3786164 |
| Name | SYNOVUS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.12% |
| Type Change Date | Dec 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.1% |
| Index | 1-Year CMT |
| Max Rate | 10.1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Oct 24, 2019 |
| Property Address | 82 SUNFISH ST, DESTIN, FL 32541-3734 |
| Document Number | 0034252570 |
| Book / Page | 3425 / 2570 |
| Map Reference | MB 1 PG 17 |
| Instrument Date | Oct 21, 2019 |
| Instrument | 3313585 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $2,520.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 411 LATIMER ST, 411, WOODSTOCK, GA 30188-5039 |
| Name | Verified Name |
|---|---|
| Address | 425 N NEW ST, WEST CHESTER, PA 19380-2215 |
| Document Number | 0034252572 |
|---|---|
| Date | Oct 24, 2019 |
| Instrument | 3425-2572 |
| Name | FNBT BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 372 Months |
| Due | Oct 21, 2050 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 82 Sunfish St was $21,360.
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 | $21,360.00 | $2,184,472 Land $566,284 Building $1,618,188 | $2,184,472 Land $566,284 Building $1,618,188 |
| 2023 | $17,032.00 (+15.69%) | $1,658,483 (+23.48%) Land $513,822 Building $1,144,661 | $1,658,483 (+23.48%) Land $513,822 Building $1,144,661 |
| 2022 | $14,722.00 | $1,343,093 Land $467,111 Building $875,982 | $1,343,093 Land $467,111 Building $875,982 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 82 Sunfish St in Zone X, an area of minimal flood risk, though there have been 51 flood claims nearby since 1983.
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 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.
The area around 82 Sunfish St has no burnable land within ember reach, so its wildfire risk is not rated.
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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