87 Stingray St, Destin, FL 32541 Property Records

Okaloosa County property record for 87 Stingray St, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,767 sqft · built 1990
Lot Size	0.172 acres (7,499 sqft)
Owner	2 Company Names on File
Last Sale	$1,225,000 (Jul 2026)
Tax Bill	$9,741 (2025)
Deeds & Mortgages	Jul 2026 Sale Dec 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-6052-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-6052-7`
Alternative APNs	`00-2S-22-0580-0022-0190` `22S200058000220190`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,767 sqft Living Area
Gross Area	2,130 sqft
1st Floor Area	1,299 sqft
Upper Floors Area	468 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,499 sqft (0.172 acres)
Lot Width	75 ft Width
Porch	Finished/Open Porch
Porch Area	363 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	87 STINGRAY ST
City	DESTIN
State	FL
Zip	32541-3672
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRYSTAL BCH W1/2 LOTS 19 & 20 BLK 22
Legal Subdivision	CRYSTAL BCH
Legal Block	22
Legal Lot Number	190
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1014
Census Tract	23308

Owner

87 Stingray St is owned by a company that bought it in July 2026 and is owner-occupied.

Source: Okaloosa County records, as of July 23, 2026

Owner of Record	2 Company Names on File
Mailing Address	10354 TRAIL RIDGE DR, BENBROOK, TX 76126-9526
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Limited Liability Partnership

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Warranty Deed, Transfer MCNEESE TITLE LLC, MCNEESE TITLE
Dec 8, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Dec 2, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 16, 2019	Deed of Trust, Mortgage QUICKEN LNS
Oct 4, 2018	Warranty Deed, Transfer CHURCHILL MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2026 · Amount on File
Deed Sale	Jul 10, 2026 · Amount on File
Prior Sale	Oct 4, 2018 · Amount on File
Deed Document Number	20263827173
Prior Transfer Date	Nov 10, 2020
Prior Transfer Doc	0003411532
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 10, 2026
Property Address	87 STINGRAY ST, DESTIN, FL 32541-3672
Document Number	0003827173
Instrument Date	Jul 8, 2026
Instrument	20263827173
Transaction Type	Transfer
Record Updated	Jul 23, 2026
Title Company	MCNEESE TITLE LLC, MCNEESE TITLE

Transaction

Amount	Amount on Record
Tax	$866,075.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	10354 TRAIL RIDGE DR, BENBROOK, TX 76126-9526

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	87 STINGRAY ST, DESTIN, FL 32541-3672
Transaction Type	Mortgage
Record Updated	Jan 3, 2023
Title Company	RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	87 STINGRAY ST, DESTIN, FL 32541-3672

Mortgage

Document Number	0036540491
Date	Dec 8, 2022
Book Page	3654/491
Instrument	3594942

Lender

Name	US BANK NA
Type	Bank
Address	SAINT LOUIS, MO 63124

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Oct 15, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 2, 2020
Property Address	87 STINGRAY ST, DESTIN, FL 32541-3672
Document Number	0035091084
Book / Page	003509 / 001084
Instrument Date	Nov 18, 2020
Instrument	3411532
Transaction Type	Transfer
Record Updated	Dec 16, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	87 STINGRAY ST DESTIN FL 325413672, DESTIN, FL 32541-3672

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	87 STINGRAY ST, DESTIN, FL 32541-3672
Document Number	0034200503
Instrument Date	Sep 16, 2019
Transaction Type	Mortgage
Record Updated	Oct 28, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	87 STINGRAY ST DESTIN FL 325413672, DESTIN, FL 32541-3672

Mortgage

Document Number	0034200503
Date	Sep 20, 2019
Book Page	003420/000503
Instrument	3306218

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 19, 2049

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 4, 2018
Property Address	87 STINGRAY ST, DESTIN, FL 32541-3672
Document Number	0033701556
Book / Page	003370 / 001556
Instrument Date	Sep 28, 2018
Instrument	3236404
Transaction Type	Transfer
Record Updated	Oct 26, 2018
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,707.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	87 STINGRAY ST DESTIN FL 325413672, DESTIN, FL 32541-3672

Mortgage

Document Number	33701558
Date	Oct 4, 2018
Book Page	003370/001558
Instrument	3236405

Lender

Name	CHURCHILL MTG
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 3, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 87 Stingray St was $9,741 with a homeowner's exemption.

Source: Okaloosa County assessment roll, as of December 31, 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	$9,741.00 Homeowner's exemption	$861,591 Land $566,284 Building $295,307	$861,591 Land $566,284 Building $295,307
2023	$10,927.00 (+25.84%) Homeowner's exemption	$953,282 (+18.52%) Land $513,822 Building $439,460	$953,282 (+18.52%) Land $513,822 Building $439,460
2022	$8,683.00 Homeowner's exemption	$804,297 Land $467,111 Building $337,186	$804,297 Land $467,111 Building $337,186

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

Flood

FEMA maps place 87 Stingray 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	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

The area around 87 Stingray 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.

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 579 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 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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