89 Cobia St, Destin, FL 32541 Property Records

Okaloosa County property record for 89 Cobia St, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	7 bd · 6.5 ba · 3,564 sqft · built 2020
Lot Size	0.172 acres (7,499 sqft)
Owner	Individual Name on File
Last Sale	$2,475,000 (Jan 2022)
Tax Bill	$27,243 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Oct 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-6086-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-6086-5`
Alternative APNs	`00-2S-22-0580-0024-0160` `22S200058000240160`

Interior

Bedrooms	7 Beds
Full Baths	6.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,564 sqft Living Area
Gross Area	3,980 sqft
1st Floor Area	1,448 sqft
Flooring	Vinyl/Resilient
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	7,499 sqft (0.172 acres)
Lot Width	50 ft Width
Driveway	Driveway
Porch	Finished/Open Porch
Porch Area	276 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	89 COBIA ST
City	DESTIN
State	FL
Zip	32541-3620
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRYSTAL BEACH LOT 16 BLK 24
Legal Subdivision	CRYSTAL BEACH
Legal Block	24
Legal Lot Number	16
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1020
Census Tract	23308

Owner

89 Cobia St is owned by an individual who bought it in January 2022.

Source: Okaloosa County records, as of December 31, 2025

Owner of Record	Individual Name on File
Mailing Address	2800 CHANDLER RD, STATESBORO, GA 30458
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2022	Warranty Deed, Transfer · Conventional Mortgage KEY BANK NA
Oct 7, 2020	Grant Deed, Transfer AQUA TITLE SERVICES, AQUA TITLE SVCS
Aug 1, 2018	Warranty Deed, Transfer OTHER
Apr 21, 2017	Warranty Deed, Transfer · Conventional with PMI J JEFFREY SWEENEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2022 · Amount on File
Deed Sale	Jan 6, 2022 · Amount on File
Prior Sale	Oct 7, 2020 · Amount on File
Deed Document Number	20223517928
Deed Book / Page	3597 / 1624
Prior Transfer Date	Apr 18, 2017
Prior Transfer Doc	0032961634
Record Updated	Jun 8, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 6, 2022
Property Address	89 COBIA ST, DESTIN, FL 32541-3620
Document Number	0035971624
Book / Page	3597 / 1624
Map Reference	MB 1 PG 17
Instrument Date	Dec 30, 2021
Instrument	3517928
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$17,325.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4125 LIVELY LN, DALLAS, TX 75220-1946

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1800 CHANDLER RD, STATESBORO, GA 30458-4946

Mortgage

Document Number	0035971626
Date	Jan 6, 2022
Instrument	3597/1626

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 7, 2020
Property Address	89 COBIA ST, DESTIN, FL 32541-3620
Document Number	0034970883
Book / Page	003497 / 000883
Instrument Date	Oct 2, 2020
Instrument	3396912
Transaction Type	Transfer
Record Updated	Oct 30, 2020
Title Company	AQUA TITLE SERVICES, AQUA TITLE SVCS

Transaction

Amount	Amount on Record
Tax	$9,240.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4125 LIVELY LN DALLAS TX 752201946, DALLAS, TX 75220-1946

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 1, 2018
Property Address	89 COBIA ST, DESTIN, FL 32541-3620
Document Number	0033612706
Book / Page	003361 / 002706
Instrument Date	Jul 31, 2018
Instrument	3223446
Transaction Type	Transfer
Record Updated	Aug 16, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$2,380.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 53412 LAFAYETTE LA 705053412, LAFAYETTE, LA 70505-3412

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 21, 2017
Property Address	89 COBIA ST, DESTIN, FL 32541-3620
Document Number	0032961634
Book / Page	003296 / 001634
Instrument Date	Apr 18, 2017
Instrument	3130493
Transaction Type	Transfer
Record Updated	May 17, 2017
Title Company	VINTAGE TITLE AND ESCROW INC, VINTAGE TITLE & ESCROW INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,107.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	85 DEER PARK CT GLENWOOD SPRINGS CO 816019221, GLENWOOD SPRINGS, CO 81601-9221

Mortgage

Document Number	32961638
Date	Apr 21, 2017
Book Page	003296/001638
Instrument	3130495

Lender

Name	J JEFFREY SWEENEY
Address	8199 TERRACE GARDEN DR N # 304, ST PETERSBURG, FL 33709-1050
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 89 Cobia St was $27,243.

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	$27,243.00	$2,300,331 Land $566,284 Building $1,734,047	$2,300,331 Land $566,284 Building $1,734,047
2023	$27,244.00 (+16.49%)	$2,411,431 (+24.25%) Land $513,822 Building $1,897,609	$2,411,431 (+24.25%) Land $513,822 Building $1,897,609
2022	$23,387.00	$1,940,745 Land $467,111 Building $1,473,634	$1,940,745 Land $467,111 Building $1,473,634

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

Flood

FEMA maps place 89 Cobia 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 89 Cobia 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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