85 Dolphin St, Destin, FL 32541 Property Records

Okaloosa County property record for 85 Dolphin St, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,718 sqft · built 2003
Lot Size	0.172 acres (7,499 sqft)
Owner	Individual Name on File
Last Sale	$1,065,000 (Oct 2023)
Tax Bill	$11,892 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-6138-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-6138-4`
Alternative APN	`00-2S-22-0580-0027-0150`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	1,718 sqft Heated Area
Gross Area	4,554 sqft
1st Floor Area	368 sqft
Upper Floors Area	1,350 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,499 sqft (0.172 acres)
Lot Width	50 ft Width
Garage Type	Finished
Garage Area	440 sqft
Porch	Open Porch
Porch Area	2,396 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	85 DOLPHIN ST
City	DESTIN
State	FL
Zip	32541-3636
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRYSTAL BEACH LOT 15 BLK 27
Legal Range	22
Legal Township	02S
Legal Subdivision	CRYSTAL BEACH
Legal Block	27
Legal Lot Number	15
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1023
Census Tract	23308

Owner

Source: Okaloosa County assessment roll, as of July 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	1042 FISHER ST, HOUSTON, TX 77018-5214
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 5, 2023 · Amount on Record
Deed Sale	Oct 5, 2023 · Amount on Record
Prior Sale	Apr 9, 2014 · Amount on Record
Deed Document Number	3650551
Record Updated	Jun 8, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 5, 2023
Property Address	85 DOLPHIN ST, DESTIN, FL 32541-3636
Document Number	0003650551
Map Reference	MB 1 PG 17
Instrument Date	Oct 3, 2023
Instrument	3650551
Transaction Type	Transfer
Record Updated	Nov 16, 2023
Title Company	NOT AVAILABLE, BEACH LAND AND TTL SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$7,455.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	151 N COCONUT PALM BLVD, TAVERNIER, FL 33070-2225

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1042 FISHER ST, HOUSTON, TX 77018-5214

Mortgage

Document Number	0003650552
Date	Oct 5, 2023
Instrument	3650552

Lender

Name	GATEWAY FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Type Change Date	Nov 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	12.2%
Max Rate	12.2%

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	$11,892.00 (+10.13%)	$1,004,152 (+11.08%) Land $566,284 Building $437,868	$1,004,152 (+11.08%) Land $566,284 Building $437,868
2023	$10,798.00 (+131.32%)	$903,964 (+112.28%) Land $513,822 Building $390,142	$903,964 (+13.19%) Land $513,822 Building $390,142
2022	$4,668.00 Homeowner's exemption	$425,839	$798,599 Land $467,111 Building $331,488

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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
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	Hurricane Frances, Oct 2004 · 6 claims Hurricane Georges, Sep 1998 · 4 claims Hurricane Opal, Oct 1995 · 38 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	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.

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 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