89 Stingray St, Destin, FL 32541 Property Records

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

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,372 sqft · built 1992
Lot Size	0.172 acres (7,499 sqft)
Owner	2 Individual Names on File
Last Sale	$755,000 (Apr 2019)
Tax Bill	$10,894 (2025)
Deeds & Mortgages	Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-6051-9`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-6051-9`
Alternative APNs	`00-2S-22-0580-0022-0180` `22S200058000220180`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,372 sqft Living Area
Gross Area	3,080 sqft
1st Floor Area	1,648 sqft
Upper Floors Area	1,477 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,499 sqft (0.172 acres)
Lot Width	50 ft Width
Garage Type	Detached
Garage Area	672 sqft
Porch	Finished/Open Porch
Porch Area	1,212 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	89 STINGRAY ST
City	DESTIN
State	FL
Zip	32541-3672
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRYSTAL BEACH LOT 18 BLK 22
Legal Subdivision	CRYSTAL BEACH
Legal Block	22
Legal Lot Number	18
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1014
Census Tract	23308

Owner

89 Stingray St is owned by two individuals who bought it in April 2019.

Source: Okaloosa County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4551 RUTHERFORD DR, MARIETTA, GA 30062-8134
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2019 · Amount on File
Deed Sale	Apr 16, 2019 · Amount on File
Prior Sale	Nov 8, 2016 · Amount on File
Deed Document Number	20193271464
Deed Book / Page	3393 / 3893
Record Updated	Oct 29, 2026

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 16, 2019
Property Address	89 STINGRAY ST, DESTIN, FL 32541-3672
Document Number	0033933893
Book / Page	003393 / 003893
Instrument Date	Apr 12, 2019
Instrument	3271464
Transaction Type	Transfer
Record Updated	May 1, 2019
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,285.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4551 RUTHERFORD DR MARIETTA GA 300628134, MARIETTA, GA 30062-8134

Mortgage

Document Number	33933895
Date	Apr 16, 2019
Book Page	003393/003895
Instrument	3271465

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 15, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 89 Stingray St was $10,894.

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	$10,894.00	$965,090 Land $566,284 Building $398,806	$965,090 Land $566,284 Building $398,806
2023	$9,762.00 (+10.08%)	$921,247 (+12.25%) Land $513,822 Building $407,425	$921,247 (+12.25%) Land $513,822 Building $407,425
2022	$8,868.00	$820,699 Land $467,111 Building $353,588	$820,699 Land $467,111 Building $353,588

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

Flood

FEMA maps place 89 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 89 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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