Okaloosa County property record for 96 Garnet Pl, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,840 sqft · built 1994 |
| Lot Size | 0.228 acres (9,923 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,240,000 (Feb 2023) |
| Tax Bill | $10,131 (2025) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-7911-3 |
| Primary APN | C56-000-589-7911-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,840 sqft Living Area |
| Gross Area | 5,307 sqft |
| 1st Floor Area | 2,435 sqft |
| Upper Floors Area | 1,374 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Concrete |
| Lot Area | 9,923 sqft (0.228 acres) |
| Garage Type | Attached |
| Garage Area | 605 sqft |
| Driveway | Driveway |
| Porch | Finished/Open Porch |
| Porch Area | 456 sqft |
| Patio Area | 406 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 96 GARNET PL |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3765 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EMERALD BAY PH 1-B LOT 11 BLK U |
| Legal Subdivision | EMERALD BAY PH 1-B |
| Legal Phase | 1 |
| Legal Block | U |
| Legal Lot Number | 11 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 23308 |
Source: Okaloosa County records, as of June 9, 2026
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 |
|---|---|
| Mailing Address | 6375 RIVERSIDE DR, 210, DUBLIN, OH 43017-5241 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Date | Document |
|---|---|
| Feb 6, 2023 | Warranty Deed, Transfer · Conventional Mortgage LOWER LLC |
| Mar 12, 2020 | Deed of Trust, Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 6, 2023 · Amount on Record |
| Deed Sale | Feb 6, 2023 · Amount on Record |
| Prior Sale | Sep 8, 2016 · Amount on Record |
| Deed Document Number | 20233604694 |
| Deed Book / Page | 3661 / 553 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Feb 6, 2023 |
| Property Address | 96 GARNET PL, DESTIN, FL 32541-3765 |
| Document Number | 0036610553 |
| Book / Page | 3661 / 553 |
| Map Reference | MB 13 PG 8&9 |
| Instrument Date | Feb 2, 2023 |
| Instrument | 3604694 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,680.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4300 SE 37TH CIR, NORMAN, OK 73071-8149 |
| Name | Verified Name |
|---|---|
| Address | 6375 RIVERSIDE DR STE 210, 210, DUBLIN, OH 43017-5241 |
| Document Number | 0003661561 |
|---|---|
| Date | Feb 6, 2023 |
| Instrument | 3661/561 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 96 GARNET PL, DESTIN, FL 32541-3765 |
| Document Number | 0034501173 |
| Instrument Date | Mar 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 96 GARNET PL DESTIN FL 325413765, DESTIN, FL 32541-3765 |
| Document Number | 0034501173 |
|---|---|
| Date | Mar 17, 2020 |
| Book Page | 003450/001173 |
| Instrument | 3345202 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Mar 16, 2050 |
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,131.00 (+56.54%) Homeowner's exemption | $1,000,930 (+54.94%) Land $163,225 Building $837,705 | $1,000,930 (-6.35%) Land $163,225 Building $837,705 |
| 2023 | $6,472.00 (+2.16%) Homeowner's exemption | $646,030 (+3%) | $1,068,838 (+5.4%) Land $135,004 Building $933,834 |
| 2022 | $6,335.00 Homeowner's exemption | $627,214 | $1,014,091 Land $122,731 Building $891,360 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 3 (1995–2018) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Sep 2018 · other causes |
Source: USFWS Coastal Barrier Resources System, as of December 19, 2024
| Coastal Barrier Resources System | Yes |
|---|---|
| Unit | P32 “Moreno Point” |
| Unit Type | System Unit |
| Designated | Oct 18, 1982 |
| NFIP Eligibility | Not eligible (built 1994) built after the Oct 1, 1983 cutoff · private flood insurance only |
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 | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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 | SOUTH WALTON UTILITY COMPANY private · serves 26,668 people · EPA ID FL1660615 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Lead | 3 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 33 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 in parts of the area | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 35 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
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