Okaloosa County property record for 314 Cedar St, Destin, FL 32541 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,517 sqft · built 1983 |
| Lot Size | 0.22 acres (9,598 sqft) |
| Owner | Company Name on File |
| Last Sale | $150,000 (Aug 2021) |
| Tax Bill | $1,514 (2025) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage Feb 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-4324-0 |
| Primary APN | C56-000-590-4324-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,517 sqft Living Area |
| Gross Area | 2,519 sqft |
| 1st Floor Area | 1,517 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 9,598 sqft (0.22 acres) |
| Lot Width | 80 ft Width |
| Garage Type | Attached |
| Garage Area | 348 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 295 sqft |
| Patio Area | 359 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 314 CEDAR ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2625 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KELL-AIRE GARDENS LOT 16 BLK E |
| Legal Subdivision | AIRE GARDENS |
| Legal Block | E |
| Legal Lot Number | 16 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 23305 |
Source: Okaloosa County records · APN C56-000-590-4324-0
Assessment roll updated December 31, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 314 CEDAR ST, DESTIN, FL 32541-2625 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Date | Document |
|---|---|
| Aug 18, 2021 | Quit Claim Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK |
| Feb 19, 2019 | Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 18, 2021 · Amount on Record |
| Deed Sale | Aug 18, 2021 · Amount on Record |
| Deed Document Number | 20213481129 |
| Deed Book / Page | 3567 / 3861 |
| Prior Transfer Date | Jul 25, 2021 |
| Prior Transfer Doc | 0035673861 |
| Record Updated | Jun 08, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Aug 18, 2021 |
| Property Address | 314 CEDAR ST, DESTIN, FL 32541-2625 |
| Document Number | 0035673861 |
| Book / Page | 3567 / 3861 |
| Map Reference | MB 5 PG 48 |
| Instrument Date | Jul 25, 2021 |
| Instrument | 3481129 |
| Transaction Type | Transfer |
| Record Updated | Sep 01, 2021 |
| Title Company | VINTAGE TITLE AND ESCROW INC, VINTAGE TITLE & ESCROW INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,050.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 144 TIMBER CT, 144, DESTIN, FL 32541-2031 |
| Name | Verified Name |
|---|---|
| Address | 314 CEDAR ST, DESTIN, FL 32541-2625 |
| Document Number | 35673863 |
|---|---|
| Date | Aug 18, 2021 |
| Instrument | 3567/3863 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 314 CEDAR ST, DESTIN, FL 32541-2625 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0033852945 |
|---|---|
| Date | Feb 19, 2019 |
| Book Page | 3385/2945 |
| Instrument | 3259507 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Destin City |
| Unified School District | Okaloosa County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,514.00 (+8.3%) Homeowner's exemption | $166,917 (+7.28%) | $347,187 (+6.97%) Land $129,985 Building $217,202 |
| 2023 | $1,398.00 (+3.02%) Homeowner's exemption | $155,592 (+3%) | $324,564 (+7.57%) Land $117,943 Building $206,621 |
| 2022 | $1,357.00 Homeowner's exemption | $151,060 | $301,727 Land $107,221 Building $194,506 |
Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120910233052, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| 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 100 individual NFIP policies nearby |
| 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 Storm |
|
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 322 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| LiveOak Fiber | Fiber | 5,000 / 5,000 |
| Cox Communications | Cable | 2,000 / 100 |
| Verizon | Fixed Wireless | 300 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: AT&T, T-Mobile USA, Cox Communications, Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.
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