Okaloosa County property record for 312 Beach Dr, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,034 sqft · built 2014 |
| Lot Size | 0.213 acres (9,255 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $399,000 (Apr 2019) |
| Tax Bill | $3,528 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage Apr 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-3057-7 |
| Primary APN | C56-000-590-3057-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,034 sqft Living Area |
| Gross Area | 3,051 sqft |
| 1st Floor Area | 2,034 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 9,255 sqft (0.213 acres) |
| Lot Width | 106 ft Width |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 441 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 312 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 1 BLK P |
| Legal Subdivision | SPRING LAKE 2ND ADD |
| Legal Block | P |
| Legal Lot Number | 1 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 23307 |
Source: Okaloosa County records, as of December 31, 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 312 BEACH DR, DESTIN, FL 32541-2406 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 9, 2020 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC |
| Apr 5, 2019 | Warranty Deed, Transfer · VA Mortgage UNIVERSITY LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 5, 2019 · Amount on Record |
| Deed Sale | Apr 5, 2019 · Amount on Record |
| Prior Sale | Mar 31, 2015 · Amount on Record |
| Deed Document Number | 20193269410 |
| Deed Book / Page | 3392 / 2378 |
| Prior Transfer Date | Jun 20, 2008 |
| Prior Transfer Doc | 0028492426 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 312 BEACH DR, DESTIN, FL 32541-2406 |
| Document Number | 0034694403 |
| Instrument Date | Jun 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 312 BEACH DR DESTIN DESTIN FL 32541, DESTIN, FL 32541 |
| Document Number | 0034694403 |
|---|---|
| Date | Jun 18, 2020 |
| Book Page | 003469/004403 |
| Instrument | 3366804 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 17, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Apr 5, 2019 |
| Property Address | 312 BEACH DR, DESTIN, FL 32541-2406 |
| Document Number | 0033922378 |
| Book / Page | 003392 / 002378 |
| Instrument Date | Apr 5, 2019 |
| Instrument | 3269410 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2019 |
| Title Company | NAUTILUS TITLE AND ESCROW, NAUTILUS TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,793.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 101 SWEENEY DR BILOXI MS 395313149, BILOXI, MS 39531-3149 |
| Document Number | 33922380 |
|---|---|
| Date | Apr 5, 2019 |
| Book Page | 003392/002380 |
| Instrument | 3269411 |
| Name | UNIVERSITY LNDG |
|---|---|
| Address | SOUTHFIELD, MI 48034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 4, 2049 |
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 | $3,528.00 (+5.72%) Homeowner's exemption | $336,952 (+5.99%) | $515,645 (+3.42%) Land $129,985 Building $385,660 |
| 2023 | $3,337.00 (+2.49%) Homeowner's exemption | $317,918 (+3%) | $498,588 (+7.37%) Land $112,046 Building $386,542 |
| 2022 | $3,256.00 Homeowner's exemption | $308,658 | $464,377 Land $101,860 Building $362,517 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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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