91 Barracuda St, Destin, FL 32541 Property Records

Okaloosa County property record for 91 Barracuda St, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	7 bd · 5 ba · 3,320 sqft · built 2007
Lot Size	0.172 acres (7,499 sqft)
Owner	Individual Name on Record
Last Sale	$1,665,000 (Jun 2021)
Tax Bill	$18,429 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Jun 2021 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C56-001-099-3717-7`

Property Details

APN / Parcel Number

Primary APN	`C56-001-099-3717-7`
Alternative APN	`00-2S-22-0160-0000-0020`

Interior

Bedrooms	7 Beds
Full Baths	5 Baths
Stories	3 Stories
Building Area	3,320 sqft Heated Area
Gross Area	4,438 sqft
1st Floor Area	1,877 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2007
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Masonite/Cement Shake
Lot Area	7,499 sqft (0.172 acres)
Lot Width	50 ft Width
Porch	Open Porch
Porch Area	873 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	91 BARRACUDA ST
City	DESTIN
State	FL
Zip	32541-3606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BARRACUDA COURTS LOT 2
Legal Range	22
Legal Township	02S
Legal Subdivision	BARRACUDA COURTS
Legal Lot Number	2
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1013
Census Tract	23308

Owner

Source: Okaloosa County records, as of December 8, 2025

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
Co-owner	Co-owner on Record
Mailing Address	3100 DURANGO CT, BURLINGTON, KY 41005-7312
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Jun 4, 2021	Warranty Deed, Transfer SETCO SERVICES LLC
Aug 12, 2019	Warranty Deed, Transfer · Conventional Mortgage WHITNEY BANK
Aug 12, 2019	Quit Claim Deed, Transfer AQUA TITLE SERVICES, AQUA TITLE SVCS
Jun 20, 2017	Warranty Deed, Transfer · ARM PENTAGON FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2021 · Amount on Record
Deed Sale	Jun 4, 2021 · Amount on Record
Prior Sale	Aug 12, 2019 · Amount on Record
Deed Document Number	3461018
Deed Book / Page	3551 / 2533
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	91 BARRACUDA ST, DESTIN, FL 32541-3606
Transaction Type	Mortgage
Record Updated	May 10, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 BARRACUDA ST, DESTIN, FL 32541-3606

Mortgage

Document Number	0036170629
Date	Apr 20, 2022
Book Page	3617/629
Instrument	3543525

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 4, 2021
Property Address	91 BARRACUDA ST, DESTIN, FL 32541-3606
Document Number	0035512533
Book / Page	3551 / 2533
Map Reference	MB 28 PG 57&58
Instrument Date	May 24, 2021
Instrument	3461018
Transaction Type	Transfer
Record Updated	Jun 25, 2021
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$11,655.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3276 E AZALEA DR, 3276, GILBERT, AZ 85298-2247

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3100 DURANGO CT, BURLINGTON, KY 41005-7312

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 12, 2019
Property Address	91 BARRACUDA ST, DESTIN, FL 32541-3606
Document Number	0034132371
Book / Page	3413 / 2371
Map Reference	MB 28 PG 57&58
Instrument Date	Aug 9, 2019
Instrument	3297274
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	AQUA TITLE SERVICES

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	571 MONTICELLO DR, 571, AUBURN, AL 36830-5199

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3276 E AZALEA DR, GILBERT, AZ 85298-2247

Mortgage

Document Number	0034132373
Date	Aug 12, 2019
Instrument	3413-2373

Lender

Name	WHITNEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 12, 2019
Property Address	91 BARRACUDA ST, DESTIN, FL 32541-3606
Document Number	0034132367
Book / Page	003413 / 002367
Instrument Date	Aug 18, 2017
Instrument	3297272
Transaction Type	Transfer
Record Updated	Aug 29, 2019
Title Company	AQUA TITLE SERVICES, AQUA TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	571 MONTICELLO DR AUBURN AL 368305199, AUBURN, AL 36830-5199

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 20, 2017
Property Address	91 BARRACUDA ST, DESTIN, FL 32541-3606
Document Number	0033043426
Book / Page	3304 / 3426
Map Reference	MB1 PG17
Instrument Date	Jun 15, 2017
Instrument	3142127
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	571 MONTICELLO DR, AUBURN, AL 36830-5199

Mortgage

Document Number	0003142128
Date	Jun 20, 2017
Instrument	3142128

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Jul 1, 2022
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	5.87%
Index	5-Year CMT
Margin	2
Max Rate	8.87%

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 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	$18,429.00 (+7.74%)	$1,556,100 (+2.47%) Land $566,284 Building $989,816	$1,556,100 (+2.47%) Land $566,284 Building $989,816
2023	$17,105.00 (+14.95%)	$1,518,606 (+22.98%) Land $513,822 Building $1,004,784	$1,518,606 (+22.98%) Land $513,822 Building $1,004,784
2022	$14,881.00	$1,234,885 Land $467,111 Building $767,774	$1,234,885 Land $467,111 Building $767,774

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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