220 Main St, Destin, FL 32541 Property Records

Okaloosa County property record for 220 Main St, Destin, FL 32541

Property Summary

Property Type	Office Building
Details	3,988 sqft · built 1991
Lot Size	0.443 acres (19,298 sqft)
Owner	Company Name on Record
Last Sale	$1,175,000 (Oct 2023)
Tax Bill	$7,237 (2025)
Deeds & Mortgages	Oct 2023 Sale & Line of Credit Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-3363-1`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-3363-1`
Alternative APN	`00-2S-22-0000-0058-0060`

Interior

Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	15 Rooms
Stories	1 Story
Building Area	3,988 sqft Total Area
1st Floor Area	3,121 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2001
Exterior Material	Brick
Construction Type	Frame
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Gable/Hip
Roof Material	Masonite/Cement Shake
Lot Area	19,298 sqft (0.443 acres)
Lot Width	100 ft Width
Garage Type	Finished
Garage Area	483 sqft
Porch	Open Porch
Porch Area	384 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	220 MAIN ST
City	DESTIN
State	FL
Zip	32541-2504
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Legal Description	COM SE COR BLK 1-A KELLY HOMES S/D N86 DEG E49 FT S31 FT S83 DEG E439 FT S50 FT N83 DEG W388 FT S3 DEG E528 FT TO POB S3 DEG
Legal Range	22
Legal Township	02S
Legal Subdivision	KELLY HOMES S/D
Legal Block	1
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2018
Census Tract	23305

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	221 MAIN ST, DESTIN, FL 32541-2503
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2023	Warranty Deed, Transfer · Line of Credit TRUSTMARK NATIONAL BANK
Jul 1, 2021	Warranty Deed, Transfer · Commercial Mortgage THE FIRST A NATIONAL BANKING ASSN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2023 · Amount on Record
Deed Sale	Oct 30, 2023 · Amount on Record
Prior Sale	Jul 1, 2021 · Amount on Record
Deed Document Number	3654812
Record Updated	Jun 8, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 30, 2023
Property Address	220 MAIN ST, DESTIN, FL 32541-2504
Document Number	0003654812
Instrument Date	Oct 19, 2023
Instrument	3654812
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	MEAD LAW AND TITLE, MEAD LAW & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	175 MAIN ST UNIT 1504, 1504, DESTIN, FL 32540-7762

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 MAIN ST, DESTIN, FL 32541-2503

Mortgage

Document Number	0003654813
Date	Oct 30, 2023
Instrument	3654813

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 1, 2021
Property Address	220 MAIN ST, DESTIN, FL 32541-2504
Document Number	0035571690
Book / Page	3557 / 1690
Instrument Date	Jun 28, 2021
Instrument	3468178
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	NOVAS TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	302 BLUE MARLIN CT, DESTIN, FL 32541-5525

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1504, DESTIN, FL 32540-1504

Mortgage

Document Number	0035571692
Date	Jul 1, 2021
Instrument	3557/1692

Lender

Name	THE FIRST A NATIONAL BANKING ASSN
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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	$7,237.00 (+26.34%)	$682,101 (+42.25%) Land $315,556 Building $366,545	$682,101 (+42.25%) Land $315,556 Building $366,545
2023	$5,728.00 (+1.49%)	$479,506 (+2.37%) Land $178,482 Building $301,024	$479,506 (+2.37%) Land $178,482 Building $301,024
2022	$5,644.00	$468,382 Land $169,983 Building $298,399	$468,382 Land $169,983 Building $298,399

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 100 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	100 in force
Nearby Flood Claims	29 (1995–2021)
Claims Outside the SFHA	25 of 29
Most Recent Claim	Apr 2021 · other causes
Claims by Event	Hurricane Dennis, Jul 2005 · 5 claims Hurricane Frances, Sep 2004 · 7 claims Hurricane Georges, Sep 1998 · 7 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 322 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 · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: CenturyLink, T-Mobile.

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