Okaloosa County property record for 91 Dolphin St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 7 bd · 6 ba · 3,458 sqft · built 2018 |
| Lot Size | 0.172 acres (7,499 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $304,500 (Jul 2017) |
| Tax Bill | $16,623 (2025) |
| Deeds & Mortgages | Feb 2018 Mortgage Jul 2017 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-6135-0 |
| Primary APN | C56-000-589-6135-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 6 Baths |
| Stories | 2 Stories |
| Building Area | 3,458 sqft Heated Area |
| Gross Area | 4,096 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,499 sqft (0.172 acres) |
| Lot Width | 50 ft Width |
| Porch | Open Porch |
| Porch Area | 638 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 91 DOLPHIN ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CRYSTAL BEACH LOT 12 BLK 27 |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | CRYSTAL BEACH |
| Legal Block | 27 |
| Legal Lot Number | 12 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 23308 |
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 | 8010 BRIXTON PL, SUWANEE, GA 30024-5380 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 2, 2018 | Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK |
| Jul 28, 2017 | Warranty Deed, Construction Loan · Construction Mortgage FIRST FLORIDA BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 28, 2017 · Amount on Record |
| Deed Sale | Jul 28, 2017 · Amount on Record |
| Prior Sale | Sep 25, 2015 · Amount on Record |
| Deed Document Number | 3150247 |
| Deed Book / Page | 3310 / 2658 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 91 DOLPHIN ST, DESTIN, FL 32541 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0033354404 |
|---|---|
| Date | Feb 2, 2018 |
| Book Page | 3335/4404 |
| Instrument | 3186491 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 28, 2017 |
| Property Address | 91 DOLPHIN ST, DESTIN, FL 32541 |
| Document Number | 0033102658 |
| Book / Page | 3310 / 2658 |
| Map Reference | MB1 PG17 |
| Instrument Date | Jul 21, 2017 |
| Instrument | 3150247 |
| Transaction Type | Construction Loan |
| Record Updated | Apr 21, 2022 |
| Title Company | SHORELINE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1555 OLD JACKSON RD, 1555, HENDERSON, TN 38340-3654 |
| Name | Verified Name |
|---|---|
| Address | 8010 BRIXTON PL, SUWANEE, GA 30024-5380 |
| Document Number | 0003150248 |
|---|---|
| Date | Jul 28, 2017 |
| Instrument | 3150248 |
| Name | FIRST FLORIDA BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | Aug 1, 2018 |
| Change Frequency | Annually |
| Min Rate At Change | 5.5% |
| Max Rate At Change | 11.5% |
| Index | 1-Year CMT |
| Max Rate | 11.5% |
Source: Okaloosa County assessment roll, as of July 1, 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 | $16,623.00 (+10.16%) | $1,508,289 (+2.59%) Land $566,284 Building $942,005 | $1,508,289 (+2.59%) Land $566,284 Building $942,005 |
| 2023 | $15,090.00 (+15.33%) | $1,470,142 (+22.73%) Land $513,822 Building $956,320 | $1,470,142 (+22.73%) Land $513,822 Building $956,320 |
| 2022 | $13,084.00 | $1,197,860 Land $467,111 Building $730,749 | $1,197,860 Land $467,111 Building $730,749 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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 |
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