95 Stingray St, Destin, FL 32541 Property Records

Okaloosa County property record for 95 Stingray St, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,333 sqft · built 1990
Lot Size	0.172 acres (7,499 sqft)
Owner	Individual Name on File
Last Sale	$600,000 (Dec 2021)
Tax Bill	$9,227 (2025)
Deeds & Mortgages	Dec 2022 Transfer Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-6048-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-6048-5`
Alternative APN	`00-2S-22-0580-0022-0150`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,333 sqft Heated Area
Gross Area	1,926 sqft
1st Floor Area	1,381 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Exterior Material	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	240 sqft
Porch	Finished/Screened Porch
Porch Area	371 sqft
Patio Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	95 STINGRAY ST
City	DESTIN
State	FL
Zip	32541-3672
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRYSTAL BEACH S/D LOT 15 BLK 22
Legal Range	22
Legal Township	02S
Legal Subdivision	CRYSTAL BEACH S/D
Legal Block	22
Legal Lot Number	15
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1014
Census Tract	23308

Owner

95 Stingray St is owned by an individual who acquired it in December 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	251 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8261
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
Dec 9, 2022	Quit Claim Deed, Transfer EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC
Dec 30, 2021	Warranty Deed, Transfer · Commercial Mortgage THE FIRST A NATIONAL BANKING ASSN
Jan 14, 2019	Deed of Trust, Mortgage · Commercial Mortgage TRUSTMARK NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2021 · Amount on File
Deed Sale	Dec 30, 2021 · Amount on File
Prior Sale	Dec 30, 2021 · Amount on File
Deed Document Number	0035960143
Deed Book / Page	3596 / 143
Last Transfer Date	Dec 9, 2022
Transfer Doc	0036541629
Record Updated	Jun 8, 2026

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 9, 2022
Property Address	95 STINGRAY ST, DESTIN, FL 32541-3672
Document Number	0036541629
Book / Page	3654 / 1629
Map Reference	MB 1 PG 17
Instrument Date	Dec 5, 2022
Instrument	3595219
Transaction Type	Transfer
Record Updated	Jan 3, 2023
Title Company	EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	251 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8261

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	251 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8261

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 30, 2021
Property Address	95 STINGRAY ST, DESTIN, FL 32541-3672
Document Number	0035960143
Book / Page	3596 / 143
Map Reference	MB 1 PG 17
Instrument Date	Dec 14, 2021
Instrument	3516472
Transaction Type	Transfer
Record Updated	Jan 31, 2022
Title Company	FLORIDIAN TITLE LLC, FLORIDA TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,200.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	81 LAKE FRONT DR, 81, MIRAMAR BEACH, FL 32550-8246

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 GREEN ISLAND WAY, MIRAMAR BEACH, FL 32550-4134

Mortgage

Document Number	0003596145
Date	Dec 30, 2021
Instrument	3596/145

Lender

Name	THE FIRST A NATIONAL BANKING ASSN
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	95 STINGRAY ST, DESTIN, FL 32541-3672
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033813019
Date	Jan 14, 2019
Book Page	3381/3019
Instrument	3253231

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	SANTA ROSA BEACH, FL 32459

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	35 Months
Due	Dec 14, 2021

Tax Assessment & Valuation

The 2025 property tax bill for 95 Stingray St was $9,227.

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	$9,227.00	$779,128 Land $566,284 Building $212,844	$779,128 Land $566,284 Building $212,844
2023	$8,959.00 (+15.94%)	$750,018 (+16.96%) Land $513,822 Building $236,196	$750,018 (+16.96%) Land $513,822 Building $236,196
2022	$7,727.00	$641,277 Land $467,111 Building $174,166	$641,277 Land $467,111 Building $174,166

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

Flood

FEMA maps place 95 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 95 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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