302 Beach Dr, Destin, FL 32541 Property Records

Okaloosa County property record for 302 Beach Dr, Destin, FL 32541 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,500 sqft · built 1978
Lot Size	0.263 acres (11,464 sqft)
Owner	Individual Name on File
Last Sale	$399,999 (Oct 2022)
Tax Bill	$3,271 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Apr 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-590-3062-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-590-3062-7`
Alternative APN	`00-2S-22-2371-000P-0060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,500 sqft Heated Area
Gross Area	2,130 sqft
1st Floor Area	1,300 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	11,464 sqft (0.263 acres)
Lot Width	85 ft Width
Garage Type	Mixed
Garage Area	300 sqft
Porch	Open Porch
Porch Area	230 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	302 BEACH DR
City	DESTIN
State	FL
Zip	32541-2406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING LAKE 2ND ADD LOT 6 BLK P
Legal Range	22
Legal Township	02S
Legal Subdivision	SPRING LAKE #2
Legal Block	P
Legal Lot Number	6
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1015
Census Tract	23307

Owner

Source: Okaloosa County records · APN C56-000-590-3062-7

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	302 BEACH DR, DESTIN, FL 32541-2406
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2022	Warranty Deed, Subdivision Related Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 12, 2022	Warranty Deed, Transfer NOT AVAILABLE, CERTIFIED TITLE CORPORATION
Jan 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 26, 2022 · Amount on Record
Deed Sale	Oct 26, 2022 · Amount on Record
Prior Sale	Apr 12, 2022 · Amount on Record
Deed Document Number	3587452
Deed Book / Page	3648 / 3982
Record Updated	Jun 08, 2026

October 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 26, 2022
Property Address	302 BEACH DR, DESTIN, FL 32541-2406
Document Number	0036483982
Book / Page	3648 / 3982
Map Reference	MB 5 PG 36
Instrument Date	Oct 19, 2022
Instrument	3587452
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 03, 2023
Title Company	SCENIC TITLE, SCENIC TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1828, GOODLETTSVILLE, TN 37070-1828

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 BEACH DR, DESTIN, FL 32541-2406

Mortgage

Document Number	0036483984
Date	Oct 26, 2022
Instrument	3648/3984

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2052

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 12, 2022
Property Address	302 BEACH DR, DESTIN, FL 32541-2406
Document Number	0036154139
Book / Page	3615 / 4139
Map Reference	MB 5 PG 36
Instrument Date	Mar 31, 2022
Instrument	3541848
Transaction Type	Transfer
Record Updated	May 02, 2022
Title Company	NOT AVAILABLE, CERTIFIED TITLE CORPORATION

Transaction

Amount	Amount Recorded
Tax	$1,967.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	302 BEACH DR, 302, DESTIN, FL 32541-2406

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1828, GOODLETTSVILLE, TN 37070-1828

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	302 BEACH DR, DESTIN, FL 32541-2406
Document Number	0032854738
Instrument Date	Jan 26, 2017
Transaction Type	Mortgage
Record Updated	Aug 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 BEACH DR DESTIN FL 325412406, DESTIN, FL 32541-2406

Mortgage

Document Number	0032854738
Date	Feb 02, 2017
Book Page	003285/004738
Instrument	3115629

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2047

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified December 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

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,271.00 (-9.32%) Homeowner's exemption	$315,285 (+4.41%) Land $129,985 Building $185,300	$315,285 (+4.41%) Land $129,985 Building $185,300
2023	$3,607.00 (+268.44%)	$301,972 (+152.29%) Land $117,943 Building $184,029	$301,972 (+11.58%) Land $117,943 Building $184,029
2022	$979.00 Homeowner's exemption	$119,691	$270,637 Land $107,221 Building $163,416

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120910233071, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 24 individual NFIP policies nearby
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, other causes, Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims By Storm	Hurricane Frances, Sep 2004 · 39 claims Hurricane Georges, Sep 1998 · 9 claims Hurricane Opal, Oct 1995 · 35 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 584 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
LiveOak Fiber	Fiber	5,000 / 5,000
AT&T	Fiber	5,000 / 5,000
Cox Communications	Cable	2,000 / 35
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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