308 Main St, Unit A, Destin, FL 32541 Property Records

Okaloosa County property record for 308 Main St, Unit A, Destin, FL 32541

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 2,316 sqft · built 2022
Lot Size	0.456 acres (19,882 sqft)
Owner	Individual Name on Record
Tax Bill	$7,184 (2025)
Deeds & Mortgages	May 2023 Mortgage Feb 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-590-4404-0`

Property Details

APN / Parcel Number

Primary APN	`C56-000-590-4404-0`
Alternative APN	`00-2S-22-3091-000J-0200`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Units	2 Units
Building Area	2,316 sqft Heated Area
Gross Area	3,628 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	19,882 sqft (0.456 acres)
Lot Width	115 ft Width
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	308 MAIN ST UNIT A, A
City	DESTIN
State	FL
Zip	32541-1941
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	KELL-AIRE GARDENS 1ST ADD LOT 20 BLK J
Legal Range	22
Legal Township	02S
Legal Subdivision	KELL-AIRE GARDENS 1ST ADD
Legal Block	J
Legal Lot Number	20
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2022
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	308 MAIN ST UNIT B, B, DESTIN, FL 32541-1941
Occupancy	Owner Occupied
Owner Type	Individual, Secondary Company

Deeds, Mortgages & Sale History

Date	Document
May 24, 2023	Deed of Trust, Mortgage · Commercial Mortgage TRUSTMARK NATIONAL BANK
Feb 3, 2023	Deed of Trust, Mortgage · Line of Credit TRUSTMARK NATIONAL BANK
Nov 21, 2022	Intrafamily Transfer, Transfer EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 21, 2022
Transfer Doc	0036520809
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	308 MAIN ST UNIT A, A, DESTIN, FL 32541-1941
Transaction Type	Mortgage
Record Updated	Feb 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	771 SPRING LAKE DR, DESTIN, FL 32541-1929

Mortgage

Document Number	0036761604
Date	May 24, 2023
Book Page	3676/1604
Instrument	3625495

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	SANTA ROSA BEACH, FL 32459

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	308 MAIN ST UNIT A, A, DESTIN, FL 32541-1941
Transaction Type	Mortgage
Record Updated	Feb 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	771 SPRING LAKE DR, DESTIN, FL 32541-1929

Mortgage

Document Number	0036604670
Date	Feb 3, 2023
Book Page	3660/4670
Instrument	3604430

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	SANTA ROSA BEACH, FL 32459

Agreement

Type	Line of Credit
Amount	Amount Recorded

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Nov 21, 2022
Property Address	308 MAIN ST UNIT A, A, DESTIN, FL 32541-1941
Document Number	0036520809
Book / Page	3652 / 809
Map Reference	MB 5 PG 89
Instrument Date	Nov 21, 2022
Instrument	3592167
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	771 SPRING LAKE DR, DESTIN, FL 32541-1929

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	771 SPRING LAKE DR, DESTIN, FL 32541-1929

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	$7,184.00 (+25.59%)	$639,317 (+33.5%) Land $125,462 Building $513,855	$639,317 (+33.5%) Land $125,462 Building $513,855
2023	$5,720.00 (+359.44%)	$478,872 (+363.16%) Land $113,732 Building $365,140	$478,872 (+363.16%) Land $113,732 Building $365,140
2022	$1,245.00	$103,393 Land $103,393	$103,393 Land $103,393

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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