96 Cobia St, Destin, FL 32541 Property Records

Okaloosa County property record for 96 Cobia St, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	8 bd · 8 ba · 4,309 sqft · built 2019
Lot Size	0.172 acres (7,499 sqft)
Owner	Company Name on Record
Last Sale	$3,500,000 (Dec 2022)
Tax Bill	$29,739 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-6061-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-6061-8`
Alternative APN	`00-2S-22-0580-0023-0080`

Interior

Bedrooms	8 Beds
Full Baths	8 Baths
Stories	3 Stories
Building Area	4,309 sqft Heated Area
Gross Area	5,629 sqft
Flooring	Concrete/Cement
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2019
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	1,320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	96 COBIA ST
City	DESTIN
State	FL
Zip	32541-3619
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRYSTAL BCH S/D LOT 8 BLK 23
Legal Range	22
Legal Township	02S
Legal Subdivision	CRYSTAL BCH S/D
Legal Block	23
Legal Lot Number	8
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	Company Name on Record
Mailing Address	16482 HARBOUR LN, HUNTINGTON BEACH, CA 92649-2104
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Oct 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Dec 5, 2022	Warranty Deed, Transfer · Conventional Mortgage WALTON FUNDING LLC
Mar 9, 2020	Warranty Deed, Transfer CALIBER HM LOANS
Nov 21, 2018	Warranty Deed, Construction Loan · Construction Mortgage FNBT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2022 · Amount on Record
Deed Sale	Dec 5, 2022 · Amount on Record
Prior Sale	Mar 9, 2020 · Amount on Record
Deed Document Number	3594177
Deed Book / Page	3653 / 2699
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	96 COBIA ST, DESTIN, FL 32541-3619
Transaction Type	Mortgage
Record Updated	Feb 13, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4111 NE BELLAGIO CIR, ANKENY, IA 50021-6866

Mortgage

Document Number	0035382099
Date	Apr 9, 2021
Book Page	3538/2099
Instrument	3445243

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	96 COBIA ST, DESTIN, FL 32541-3619
Transaction Type	Mortgage
Record Updated	Feb 13, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4111 NE BELLAGIO CIR, ANKENY, IA 50021-6866

Mortgage

Document Number	0035830446
Date	Oct 27, 2021
Book Page	3583/446
Instrument	3500048

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 5, 2022
Property Address	96 COBIA ST, DESTIN, FL 32541-3619
Document Number	0036532699
Book / Page	3653 / 2699
Map Reference	MB 1 PG 17
Instrument Date	Nov 30, 2022
Instrument	3594177
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	WAYPOINT TITLE, WAYPOINT TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4111 NE BELLAGIO CIR, ANKENY, IA 50021-6866

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16482 HARBOUR LN, HUNTINGTON BEACH, CA 92649-2104

Mortgage

Document Number	0036532703
Date	Dec 5, 2022
Instrument	3653/2703

Lender

Name	WALTON FUNDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2052

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 9, 2020
Property Address	96 COBIA ST, DESTIN, FL 32541
Document Number	0034484017
Book / Page	003448 / 004017
Instrument Date	Mar 3, 2020
Instrument	3343341
Transaction Type	Transfer
Record Updated	May 20, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,970.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4111 NE BELLAGIO CIR ANKENY IA 500216866, ANKENY, IA 50021-6866

Mortgage

Document Number	34484021
Date	Mar 9, 2020
Book Page	003448/004021
Instrument	3343343

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	1525 S BELT LINE RD, COPPELL, TX 75019-4913

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 8, 2050

November 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 21, 2018
Property Address	96 COBIA ST, DESTIN, FL 32541
Document Number	0033753880
Book / Page	3375 / 3880
Map Reference	MB1 PG17
Instrument Date	Nov 14, 2018
Instrument	3244601
Transaction Type	Construction Loan
Record Updated	Apr 21, 2022
Title Company	SHORELINE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2480 DOLLY RIDGE TRL, 2480, VESTAVIA, AL 35243-4628

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8010 BRIXTON PL, SUWANEE, GA 30024-5380

Mortgage

Document Number	0003244602
Date	Nov 21, 2018
Instrument	3244602

Lender

Name	FNBT BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$29,739.00 (-5.7%)	$2,511,072 (-4.89%) Land $566,284 Building $1,944,788	$2,511,072 (-4.89%) Land $566,284 Building $1,944,788
2023	$31,538.00 (+68.55%)	$2,640,065 (+55.13%) Land $513,822 Building $2,126,243	$2,640,065 (+55.13%) Land $513,822 Building $2,126,243
2022	$18,711.00	$1,701,802 Land $467,111 Building $1,234,691	$1,701,802 Land $467,111 Building $1,234,691

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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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