93 Stingray St, Destin, FL 32541 Property Records

Okaloosa County property record for 93 Stingray St, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	8 bd · 7.5 ba · 3,810 sqft · built 2017
Lot Size	0.172 acres (7,499 sqft)
Owner	2 Individual Names on File
Last Sale	$1,095,000 (May 2017)
Tax Bill	$21,849 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Jun 2018 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-6049-3`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-6049-3`
Alternative APNs	`00-2S-22-0580-0022-0160` `22S200058000220160`

Interior

Bedrooms	8 Beds
Full Baths	7.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,810 sqft Living Area
Gross Area	4,802 sqft
1st Floor Area	1,488 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,499 sqft (0.172 acres)
Porch	Slab
Porch Area	992 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	93 STINGRAY ST
City	DESTIN
State	FL
Zip	32541-3672
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRYSTAL BCH LOT 16 BLK 22
Legal Subdivision	CRYSTAL BCH
Legal Block	22
Legal Lot Number	16
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1014
Census Tract	23308

Owner

93 Stingray St is owned by two individuals who acquired it in May 2018.

Source: Okaloosa County records, as of January 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2470 DESERET DR, POWELL, OH 43065-7498
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
Jun 7, 2018	Deed of Trust, Mortgage · Commercial Mortgage SANTANDER BANK NA
Jun 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage SANTANDER BANK NA
Jun 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Dec 23, 2020	Warranty Deed, Transfer · Conventional Mortgage TELHIO CU INC
May 23, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 27, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Aug 31, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
May 15, 2017	Warranty Deed, Transfer FIRST CTY BK/FL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2017 · Amount on File
Deed Sale	May 15, 2017 · Amount on File
Prior Sale	Feb 24, 2016 · Amount on File
Deed Document Number	20173134799
Deed Book / Page	3299 / 2151
Last Transfer Date	May 18, 2018
Transfer Doc	0033863931
Record Updated	Jun 8, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	93 STINGRAY ST, DESTIN, FL 32541-3672
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033532953
Date	Jun 7, 2018
Book Page	3353/2953
Instrument	3211920

Lender

Name	SANTANDER BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 5, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	93 STINGRAY ST, DESTIN, FL 32541-3672
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033532937
Date	Jun 7, 2018
Book Page	3353/2937
Instrument	3211919

Lender

Name	SANTANDER BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	93 STINGRAY ST, DESTIN, FL 32541-3672
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034681581
Date	Jun 11, 2020
Book Page	3468/1581
Instrument	3364968

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 23, 2020
Property Address	93 STINGRAY ST, DESTIN, FL 32541-3672
Document Number	0035140411
Book / Page	3514 / 411
Map Reference	MB 1 PG 17
Instrument Date	Dec 16, 2020
Instrument	3417060
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 CHESTNUT ST, 5, WINDHAM, NH 03087-1581

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2840 WOODLAND DR, POWELL, OH 43065

Mortgage

Document Number	0003514413
Date	Dec 23, 2020
Instrument	3514/413

Lender

Name	TELHIO CU INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 23, 2018
Property Address	93 STINGRAY ST, DESTIN, FL 32541-3672
Document Number	0033511409
Book / Page	003351 / 001409
Instrument Date	May 18, 2018
Instrument	3208746
Transaction Type	Transfer
Record Updated	Jun 21, 2018
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	Husband and Wife
Address	11 PORCUPINE RD WINDHAM NH 030872398, WINDHAM, NH 03087-2398

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 27, 2019
Property Address	93 STINGRAY ST, DESTIN, FL 32541-3672
Document Number	0033863931
Book / Page	003386 / 003931
Instrument Date	May 18, 2018
Instrument	3261281
Transaction Type	Transfer
Record Updated	Mar 13, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	11 PORCUPINE RD WINDHAM NH 030872398, WINDHAM, NH 03087-2398

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 31, 2017
Property Address	93 STINGRAY ST, DESTIN, FL 32541-3672
Document Number	0033153217
Book / Page	003315 / 003217
Instrument Date	Jul 18, 2017
Instrument	3157258
Transaction Type	Transfer
Record Updated	Dec 8, 2017
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	11 PORCUPINE RD WINDHAM NH 030872398, WINDHAM, NH 03087-2398

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 15, 2017
Property Address	93 STINGRAY ST, DESTIN, FL 32541-3672
Document Number	0032992151
Book / Page	003299 / 002151
Instrument Date	May 9, 2017
Instrument	3134799
Transaction Type	Transfer
Record Updated	Jul 11, 2017
Title Company	SHORELINE TITLE INSURANCE, SHORELINE TITLE INS

Transaction

Amount	Amount on Record
Tax	$7,665.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11 PORCUPINE RD WINDHAM NH 030872398, WINDHAM, NH 03087-2398

Mortgage

Document Number	32992152
Date	May 15, 2017
Book Page	003299/002152
Instrument	3134800

Lender

Name	FIRST CTY BK/FL
Type	Bank
Address	135 PERRY AVE SE, FORT WALTON BEACH, FL 32548-5552

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 93 Stingray St was $21,849.

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	$21,849.00	$1,981,065 Land $566,284 Building $1,414,781	$1,981,065 Land $566,284 Building $1,414,781
2023	$19,917.00 (+16.34%)	$1,946,301 (+24.8%) Land $513,822 Building $1,432,479	$1,946,301 (+24.8%) Land $513,822 Building $1,432,479
2022	$17,120.00	$1,559,519 Land $467,111 Building $1,092,408	$1,559,519 Land $467,111 Building $1,092,408

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

Flood

FEMA maps place 93 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 93 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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