Okaloosa County property record for 86 Cayman Cv, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,261 sqft · built 1996 |
| Lot Size | 0.143 acres (6,222 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $681,600 (Jan 2021) |
| Tax Bill | $9,962 (2025) |
| Deeds & Mortgages | Jan 2021 Sale & Mortgage Sep 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-5362-1 |
| Primary APN | C56-000-589-5362-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,261 sqft Living Area |
| Gross Area | 3,206 sqft |
| 1st Floor Area | 1,306 sqft |
| Upper Floors Area | 955 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Tile |
| Lot Area | 6,222 sqft (0.143 acres) |
| Garage Type | Attached |
| Garage Area | 341 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 604 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 86 CAYMAN CV |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3798 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DESTINY S/D LOT 172 |
| Legal Subdivision | DESTINY S/D |
| Legal Lot Number | 172 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 23308 |
86 Cayman Cv is owned by two individuals who bought it in January 2021.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 235 PIN OAK LN, MADISONVILLE, KY 42431-8745 |
| 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 |
|---|---|
| Jan 11, 2021 | Warranty Deed, Transfer · Commercial Mortgage INDEPENDENCE BANK OF KENTUCKY |
| Sep 7, 2018 | Deed of Trust, Mortgage · Conventional Mortgage PRIME LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 11, 2021 · Amount on File |
| Deed Sale | Jan 11, 2021 · Amount on File |
| Prior Sale | Oct 28, 2008 · Amount on File |
| Deed Document Number | 20213420869 |
| Deed Book / Page | 3517 / 2494 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jan 11, 2021 |
| Property Address | 86 CAYMAN CV, DESTIN, FL 32541-3798 |
| Document Number | 0035172494 |
| Book / Page | 3517 / 2494 |
| Map Reference | MB 14 PG 60-63 |
| Instrument Date | Jan 4, 2021 |
| Instrument | 3420869 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,771.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 304 UNION ST, 304, MADISONVILLE, KY 42431-2534 |
| Name | Verified Name |
|---|---|
| Address | 235 PIN OAK LN, MADISONVILLE, KY 42431-8745 |
| Document Number | 0035172496 |
|---|---|
| Date | Jan 11, 2021 |
| Instrument | 3517/2496 |
| Name | INDEPENDENCE BANK OF KENTUCKY |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 86 CAYMAN CV, DESTIN, FL 32541-3798 |
| Document Number | 0033671993 |
| Instrument Date | Sep 7, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2018 |
| Title Company | NATIONWIDE TITLE CLEARING INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 304 UNION ST MADISONVILLE KY 424312534, MADISONVILLE, KY 42431-2534 |
| Document Number | 0033671993 |
|---|---|
| Date | Sep 13, 2018 |
| Book Page | 003367/001993 |
| Instrument | 3232050 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 12, 2048 |
The 2025 property tax bill for 86 Cayman Cv was $9,962.
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 | $9,962.00 | $841,219 Land $404,489 Building $436,730 | $841,219 Land $404,489 Building $436,730 |
| 2023 | $9,150.00 (+13.1%) | $798,455 (+18.93%) Land $271,864 Building $526,591 | $798,455 (+18.93%) Land $271,864 Building $526,591 |
| 2022 | $8,090.00 | $671,391 Land $247,149 Building $424,242 | $671,391 Land $247,149 Building $424,242 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 86 Cayman Cv 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 |
|
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 1996) 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.
The area around 86 Cayman Cv 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures