85 Garnet Pl, Destin, FL 32541 Property Records

Okaloosa County property record for 85 Garnet Pl, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,778 sqft · built 2014
Lot Size	0.202 acres (8,799 sqft)
Owner	Individual Name on Record
Last Sale	$1,150,000 (Mar 2026)
Tax Bill	$8,700 (2025)
Deeds & Mortgages	Jul 2025 Line of Credit Mar 2026 Sale & Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-7918-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-7918-8`
Alternative APNs	`00-2S-22-102A-000U-0180` `22S200102A000U0180`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,778 sqft Living Area
Gross Area	3,713 sqft
1st Floor Area	2,778 sqft
Flooring	Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	8,799 sqft (0.202 acres)
Garage Type	Attached
Garage Area	575 sqft
Porch	Finished/Open Porch
Porch Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	85 GARNET PL
City	DESTIN
State	FL
Zip	32541-3766
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EMERALD BAY PH 1-B LOT 18 BLK U
Legal Subdivision	EMERALD BAY PH 1-B
Legal Phase	1
Legal Block	U
Legal Lot Number	18
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2001
Census Tract	23308

Owner

Source: Okaloosa County records, as of March 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	2022 FOX HVN, CHATHAM, IL 62629-4412
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2025	Deed of Trust, Mortgage · Line of Credit WEST CAPITAL LENDING INC
Mar 10, 2026	Warranty Deed, Transfer · Conventional Mortgage CEFCU
Aug 3, 2023	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Jun 16, 2022	Warranty Deed, Transfer CUSTOMERS FIRST TITLE COMPANY, CUSTOMERS FIRST TITLE CO
Jul 7, 2021	Warranty Deed, Transfer SETCO SERVICES LLC
Jul 26, 2017	Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY BANK
Jul 9, 2019	Warranty Deed, Transfer · VA Mortgage WELLS FARGO BANK NA
Mar 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage BRADLEY T SHOULTS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2026 · Amount on Record
Deed Sale	Mar 10, 2026 · Amount on Record
Prior Sale	Aug 3, 2023 · Amount on Record
Deed Document Number	20263803409
Prior Transfer Date	Aug 15, 2013
Prior Transfer Doc	0031133161
Record Updated	Jun 8, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	85 GARNET PL, DESTIN, FL 32541-3766
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 GARNET PL, DESTIN, FL 32541-3766

Mortgage

Document Number	0003762566
Date	Jul 7, 2025
Instrument	3762566

Lender

Name	WEST CAPITAL LENDING INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 22, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 10, 2026
Property Address	85 GARNET PL, DESTIN, FL 32541-3766
Document Number	0003803409
Map Reference	MB 13 PG 8&9
Instrument Date	Mar 6, 2026
Instrument	3803409
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	PROMINENT TITLE LLC, PROVIDENT TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	250 INDUSTRIAL PARK RD, DESTIN, FL 32541-2751

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2022 FOX HAVEN, CHATHAM, IL 62629-4412

Mortgage

Document Number	0003803410
Date	Mar 10, 2026
Instrument	3803410

Lender

Name	CEFCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2041

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 3, 2023
Property Address	85 GARNET PL, DESTIN, FL 32541-3766
Document Number	0036861746
Book / Page	3686 / 1746
Map Reference	MB 13 PG 8&9
Instrument Date	Aug 1, 2023
Instrument	3639393
Transaction Type	Transfer
Record Updated	Aug 21, 2023
Title Company	PROVIDENT TITLE, PROVIDENT TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,651.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	240 HAMBRICK DR, NICHOLASVILLE, KY 40356-6061

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 GARNET PL, DESTIN, FL 32541-3766

Mortgage

Document Number	0036861748
Date	Aug 3, 2023
Instrument	3686/1748

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 16, 2022
Property Address	85 GARNET PL, DESTIN, FL 32541-3766
Document Number	0036280474
Book / Page	3628 / 474
Map Reference	MB 13 PG 8&9
Instrument Date	Jun 13, 2022
Instrument	3558073
Transaction Type	Transfer
Record Updated	Jul 11, 2022
Title Company	CUSTOMERS FIRST TITLE COMPANY, CUSTOMERS FIRST TITLE CO

Transaction

Amount	Amount Recorded
Tax	$7,714.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4329 CARRIAGE LN, 4329, DESTIN, FL 32541-3451

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	240 HAMBRICK DR, NICHOLASVILLE, KY 40356-6061

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 7, 2021
Property Address	85 GARNET PL, DESTIN, FL 32541-3766
Document Number	0035584084
Book / Page	3558 / 4084
Map Reference	MB 13 PG 8&9
Instrument Date	Jun 28, 2021
Instrument	3469724
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$6,160.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	85 GARNET PL, 85, DESTIN, FL 32541-3766

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1125 PROMONTORY DR, MARIETTA, GA 30062-2987

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	85 GARNET PL, DESTIN, FL 32541-3766
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033100623
Date	Jul 26, 2017
Book Page	3310/0623
Instrument	3149612

Lender

Name	COMMUNITY BANK
Type	Bank
Address	MIRAMAR BEACH, FL 32550

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 9, 2019
Property Address	85 GARNET PL, DESTIN, FL 32541-3766
Document Number	0034074282
Book / Page	3407 / 4282
Map Reference	MB 13 PG 8&9
Instrument Date	Jul 3, 2019
Instrument	3289769
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	395 CALLE ESCADA, 395, SANTA ROSA BEACH, FL 32459-8604

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3800 ROBBINS NEST CT, THOMPSONS STATION, TN 37179-5388

Mortgage

Document Number	0034074284
Date	Jul 9, 2019
Instrument	3407-4284

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	85 GARNET PL, DESTIN, FL 32541-3766
Document Number	0033880216
Instrument Date	Mar 6, 2019
Transaction Type	Mortgage
Record Updated	Mar 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	85 GARNET PL DESTIN FL 325413766, DESTIN, FL 32541-3766

Mortgage

Document Number	0033880216
Date	Mar 7, 2019
Book Page	003388/000216
Instrument	3263039

Lender

Name	BRADLEY T SHOULTS
Address	4608 OPA LOCKA LN, DESTIN, FL 32541-0745

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,700.00 (-7.79%)	$864,928 (-2.55%) Land $163,225 Building $701,703	$864,928 (-2.55%) Land $163,225 Building $701,703
2023	$9,435.00 (+9.45%)	$887,581 (+10.53%) Land $135,004 Building $752,577	$887,581 (+10.53%) Land $135,004 Building $752,577
2022	$8,620.00	$803,011 Land $122,731 Building $680,280	$803,011 Land $122,731 Building $680,280

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (1995–2018)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2018 · other causes

Coastal Barrier Resources

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 2014) 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.

Wildfire

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	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	SOUTH WALTON UTILITY COMPANY private · serves 26,668 people · EPA ID FL1660615
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	3 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 221 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 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Wildstar Networks.

Nearby Properties on Garnet Pl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures