98 Barracuda St, Destin, FL 32541 Property Records

Okaloosa County property record for 98 Barracuda St, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,973 sqft · built 2000
Lot Size	0.172 acres (7,499 sqft)
Owner	Individual Name on File
Last Sale	$1,275,000 (Jun 2023)
Tax Bill	$10,454 (2023)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-6041-0`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-6041-0`
Alternative APN	`00-2S-22-0580-0022-0080`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,973 sqft Heated Area
Gross Area	2,273 sqft
1st Floor Area	1,131 sqft
Upper Floors Area	763 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Exterior Material	Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Masonite/Cement Shake
Lot Area	7,499 sqft (0.172 acres)
Lot Width	50 ft Width
Porch	Open Porch
Porch Area	240 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	98 BARRACUDA ST
City	DESTIN
State	FL
Zip	32541-3605
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRYSTAL BCH LOT 8 BLK 22
Legal Range	22
Legal Township	02S
Legal Subdivision	CRYSTAL BEACH
Legal Block	22
Legal Lot Number	8
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1014
Census Tract	23308

Owner

98 Barracuda St is owned and occupied by an individual who bought it in June 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	98 BARRACUDA ST, DESTIN, FL 32541-3605
Occupancy	Owner Occupied
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 2, 2023	Warranty Deed, Transfer · VA Mortgage HOMEFI CORPORATION
Sep 8, 2021	Warranty Deed, Transfer · Conventional Mortgage PROGRESS BANK & TRUST
May 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage L&N FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2023 · Amount on File
Deed Sale	Jun 2, 2023 · Amount on File
Prior Sale	Sep 8, 2021 · Amount on File
Deed Document Number	3627285
Deed Book / Page	3677 / 3545
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 2, 2023
Property Address	98 BARRACUDA ST, DESTIN, FL 32541-3605
Document Number	0036773545
Book / Page	3677 / 3545
Map Reference	MB 1 PG 17
Instrument Date	May 31, 2023
Instrument	3627285
Transaction Type	Transfer
Record Updated	Jun 28, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,925.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23930 E TANSY DR, AURORA, CO 80016-7863

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4321 COMMONS DR W # 3206, 3206, DESTIN, FL 32541

Mortgage

Document Number	0036773547
Date	Jun 2, 2023
Instrument	3677/3547

Lender

Name	HOMEFI CORPORATION
Type	Non-Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2053

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 8, 2021
Property Address	98 BARRACUDA ST, DESTIN, FL 32541-3605
Document Number	0035720902
Book / Page	3572 / 902
Map Reference	MB 1 PG 17
Instrument Date	Aug 27, 2021
Instrument	3486558
Transaction Type	Transfer
Record Updated	Sep 23, 2021
Title Company	KETCHERSID LAND & TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,510.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	264 WHITE OAK DR, 264, MOUNT WASHINGTON, KY 40047-7278

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23930 E TANSY DR, AURORA, CO 80016-7863

Mortgage

Document Number	3572904
Date	Sep 8, 2021
Instrument	3572/904

Lender

Name	PROGRESS BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Mortgage

Document Number	0035723117
Date	Sep 9, 2021
Book Page	3572/3117
Instrument	3487055

Lender

Name	PROGRESS BANK & TRUST
Type	Bank
Address	DESTIN, FL 32541

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	98 BARRACUDA ST, DESTIN, FL 32541-3605
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MATTINGLY FORD TTL SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033990131
Date	May 14, 2019
Book Page	3399/0131
Instrument	3277651

Lender

Name	L&N FCU
Type	Credit Union
Address	LOUISVILLE, KY 40229

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2034

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	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$952,439 Land $566,284 Building $386,155	$952,439 Land $566,284 Building $386,155
2023	$10,454.00 (+12.49%)	$906,843 (+17.59%) Land $513,822 Building $393,021	$906,843 (+17.59%) Land $513,822 Building $393,021
2022	$9,293.00	$771,205 Land $467,111 Building $304,094	$771,205 Land $467,111 Building $304,094

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

Flood

FEMA maps place 98 Barracuda 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 98 Barracuda 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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