FIRST NATIONAL LAND TITLE COMPANY INC, FIRST NAT'L LAND TITLE CO INC
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$5,075.00
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Company
Address
PO BOX 1449 DEFUNIAK SPRINGS FL 324357449, DEFUNIAK SPRINGS, FL 32435-7449
Mortgage
Document Number
34574399
Date
Apr 22, 2020
Book Page
003457/004399
Instrument
3353656
Lender
Name
PNB CMNTY BK
Address
NICEVILLE, FL 32578
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
60 Months
Due
Apr 21, 2025
Tax Assessment & Valuation
The 2025 property tax bill for 235 Main St was $8,402.
Source: Okaloosa County assessment roll, as of December 31, 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
$8,402.00
$769,724Land $328,178Building $441,546
$769,724Land $328,178Building $441,546
2023
$7,220.00 (+2.27%)
$604,419 (+3.16%)Land $178,482Building $425,937
$604,419 (+3.16%)Land $178,482Building $425,937
2022
$7,060.00
$585,883Land $169,983Building $415,900
$585,883Land $169,983Building $415,900
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Flood
FEMA maps place 235 Main St in Zone X, an area of minimal flood risk, though there have been 96 flood claims nearby since 1982.
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 24 policies
Community Rating System
Class 6 (20% premium discount)
Nearby Flood Policies
24 in force
Nearby Flood Claims
96 (1982–2014)
Claims Outside the SFHA
50 of 96
Most Recent Claim
Apr 2014 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event
Hurricane Frances, Sep 2004 · 39 claims
Hurricane Georges, Sep 1998 · 9 claims
Hurricane Opal, Oct 1995 · 35 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 235 Main 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 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