Okaloosa County property record for 245 Main St, Destin, FL 32541
| Property Type | Public Utility (Electric, Water, Gas, Etc.) |
|---|---|
| Details | 3,360 sqft · built 1966 |
| Lot Size | 0.717 acres (31,272 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $22,857 (Jan 1977) |
| Tax Bill | $3,203 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-9215-7 |
| Primary APN | C56-000-589-9215-7 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 3,360 sqft Base Area |
| 1st Floor Area | 3,360 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plywood |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Prestressed Concrete |
| Roof Material | Built-Up Asphalt |
| Lot Area | 31,272 sqft (0.717 acres) |
| Lot Width | 100 ft Width |
| Porch | Open Porch |
|---|---|
| Porch Area | 121 sqft |
| Fence | Fence |
| Canopy | 24 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 245 MAIN ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2503 |
| Property Category | Public Works |
| Property Type | Public Works > Public Utility (Electric, Water, Gas, Etc.) |
| Legal Description | KELLY HOMES S/D N45 FT LOT 22 & ALL LOT 23 & S5 FT LOT 24 & S55 FT LOT 25 & N45 FT OF LOT 26 ALL IN BLK A & PART OF VACATED R |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | KELLY HOMES S/D |
| Legal Block | A |
| Legal Lot Number | 22 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 23307 |
245 Main St, a public works property, is owned by a company that bought it in January 1977 and is owner-occupied.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | 2 Company Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 931 14TH ST, DENVER, CO 80202-2994 |
| Occupancy | Owner Occupied |
| Owner Type | Individual, Secondary Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 1, 1977 · Amount on File |
| Deed Sale | Jan 1, 1977 · Amount on File |
| Deed Document Number | 0000953567 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 245 Main St was $3,203 with an additional exemption.
Source: Okaloosa County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Destin City |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,203.00 Additional exemption filed | $317,473 Land $220,889 Building $96,584 | $317,473 Land $220,889 Building $96,584 |
| 2023 | $2,470.00 (+4.88%) Additional exemption filed | $206,837 (+5.81%) Land $124,937 Building $81,900 | $206,837 (+5.81%) Land $124,937 Building $81,900 |
| 2022 | $2,355.00 Additional exemption filed | $195,474 Land $118,988 Building $76,486 | $195,474 Land $118,988 Building $76,486 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 245 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 |
|
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.
The area around 245 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.
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 |
| 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 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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