Okaloosa County property record for 303 Cardinal Ln, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,516 sqft · built 1975 |
| Lot Size | 0.255 acres (11,106 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,017 (2025) |
| Deeds & Mortgages | Sep 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-3054-4 |
| Primary APN | C56-000-590-3054-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,516 sqft Living Area |
| Gross Area | 2,027 sqft |
| 1st Floor Area | 1,516 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 11,106 sqft (0.255 acres) |
| Lot Width | 82 ft Width |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 28 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 303 CARDINAL LN |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1905 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING LAKE 2ND ADD LOT 6 BLK O |
| Legal Subdivision | SPRING LAKE 2ND ADD |
| Legal Block | O |
| Legal Lot Number | 6 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 23307 |
303 Cardinal Ln is owned and occupied by two individuals who acquired it in July 2023.
Source: Okaloosa County records, as of April 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 303 CARDINAL LN, DESTIN, FL 32541-1905 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
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 | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 25, 2023 |
| Transfer Doc | 0003647872 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 20, 2023 |
| Property Address | 303 CARDINAL LN, DESTIN, FL 32541-1905 |
| Document Number | 0003647872 |
| Map Reference | MB 5 PG 36 |
| Instrument Date | Jul 25, 2023 |
| Instrument | 3647872 |
| Transaction Type | Transfer |
| Record Updated | Nov 6, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 303 CARDINAL LN, DESTIN, FL 32541-1905 |
| Name | Verified Name |
|---|---|
| Address | 303 CARDINAL LN, DESTIN, FL 32541-1905 |
The 2025 property tax bill for 303 Cardinal Ln was $1,017.
Source: Okaloosa County assessment roll, as of December 31, 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 | $1,017.00 | $124,950 | $313,022 Land $129,985 Building $183,037 |
| 2023 | $947.00 (+3.38%) Homeowner's exemption | $117,892 (+3%) | $299,773 (+7.84%) Land $117,943 Building $181,830 |
| 2022 | $916.00 Homeowner's exemption | $114,458 | $277,977 Land $107,221 Building $170,756 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 303 Cardinal Ln 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 303 Cardinal Ln 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 584 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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