Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$837,396$285 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 82How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

10 GARNET PL

DESTIN, FL 32541
4
Beds
3
Baths
2,935 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
1997
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$837K
$686K low$989K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$96,395
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$77,116
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.89%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$741,000
AMERICAN ADVISORS · 5.247% 1 · recorded Aug 21, 2018
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$1
COMMISSIONER/HSNG & URBAN DEV

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,299 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$374,457 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$363,904
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$690,196

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyOkaloosa
Lot (acres)The size of the land the home sits on, from county records.0.23
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Finished
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 90 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Destin Middle SchoolA
Middle · Grades 5–8 · 1.6 mi
E
Destin Elementary SchoolA+
Elementary · Grades PK–4 · 5.6 mi
H
Fort Walton Beach High SchoolC+
High · Grades 9–12 · 14.5 mi

District: Okaloosa County School District

Neighborhood · ZIP 32541These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.135
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.80
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.18

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.62%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.31%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.18,561
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,346 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$93,785
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$135,722
Average tempThe average temperature here across a full year.67°F
Annual precipHow much rain and melted snow falls here in a typical year.68 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

10 Garnet Pl measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 92% of homes in Okaloosa County
  • Costs more per square foot than 78% of homes in Okaloosa County
  • Bigger than 92% of homes in Okaloosa County
  • Has a smaller lot than 66% of homes in Okaloosa County

What homes are worth in Destin 32541

Each bar is how many homes fall in that price range. The marker is this home.

This home
$211K$3.1M

This home is worth more than 69% of homes in Destin 32541.

How it measures up in Destin 32541

The dot is this home. The mark in the middle is the typical home in Destin 32541.

Estimated value$837,396
CheaperTypical $593,500Pricier

Pricier than 69% of homes nearby

Price per ft²$285
CheaperTypical $405Pricier

Pricier than 25% of homes nearby

Living area2,935 ft²
SmallerTypical 1,596 ft²Bigger

Bigger than 86% of homes nearby

Lot size0.23 ac
SmallerTypical 0.39 acBigger

Bigger than 35% of homes nearby

Year built1997
OlderTypical 1996Newer

Newer than 55% of homes nearby

How 10 Garnet Pl ranks against every home in each area.
MeasureThis homeDestin 32541Okaloosa County
Estimated valuepricier than$837,39669% of homes92% of homes
Price per ft²pricier than$28525% of homes78% of homes
Living areabigger than2,935 ft²86% of homes92% of homes
Lot sizebigger than0.23 ac35% of homes34% of homes
Year builtnewer than199755% of homes60% of homes

About 10 Garnet Pl

How much is 10 Garnet Pl, Destin, FL worth?

The TopHap Estimate for 10 Garnet Pl, Destin, FL is $837,396 as of Jul 14, 2026. The likely range is $685,572 to $989,220. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 10 Garnet Pl, Destin, FL?

10 Garnet Pl, Destin, FL has 4 bedrooms, 3 bathrooms, 2,935 square feet of living space and a 0.23-acre lot.

When was 10 Garnet Pl, Destin, FL built?

10 Garnet Pl, Destin, FL was built in 1997, making it 29 years old. The building has 2 stories.

What schools serve 10 Garnet Pl, Destin, FL?

10 Garnet Pl, Destin, FL is assigned to Destin Middle School (middle), rated A; Destin Elementary School (elementary), rated A+; Fort Walton Beach High School (high), rated C+. All sit in Okaloosa County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 10 Garnet Pl, Destin, FL compare to other homes in Destin 32541?

Among the 16,807 homes in Destin 32541, it is worth more than 69% of them ($837,396 against a typical $593,500), its price per square foot is higher than 25% of them ($285 against a typical $405), it is bigger than 86% of them (2,935 ft² against a typical 1,596 ft²), its lot is bigger than 35% of them (0.23 ac against a typical 0.39 ac) and it is newer than 55% of them (1997 against a typical 1996). Measured against all of Okaloosa County, it is worth more than 92% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 10 Garnet Pl, Destin, FL?

The 2025 property tax bill for 10 Garnet Pl, Destin, FL was $3,299. The county assessed it at $374,457.

Closest homes

More homes in Destin 32541

Assigned schools

Explore the area

See this home in context

Open 10 Garnet Pl on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map