315 Cedar St, Destin, FL 32541 Property Records

Okaloosa County property record for 315 Cedar St, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,806 sqft · built 1984
Lot Size	0.248 acres (10,799 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Jan 2020)
Tax Bill	$3,758 (2022)
Deeds & Mortgages	Sep 2021 Mortgage Jan 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-590-4356-2`

Property Details

APN / Parcel Number

Primary APN	`C56-000-590-4356-2`
Alternative APNs	`00-2S-22-3090-000G-0050` `22S2003090000G0050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,806 sqft Living Area
Gross Area	2,580 sqft
1st Floor Area	1,806 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	10,799 sqft (0.248 acres)
Lot Width	90 ft Width
Garage Type	Attached
Garage Area	546 sqft
Porch	Florida Room
Porch Area	228 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	315 CEDAR ST
City	DESTIN
State	FL
Zip	32541-2624
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KELL-AIRE GARDENS LOT 5 BLK G
Legal Subdivision	AIRE GARDENS
Legal Block	G
Legal Lot Number	5
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2023
Census Tract	23305

Owner

Source: Okaloosa County records, as of August 27, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	315 CEDAR ST, DESTIN, FL 32541-2624
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2021	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Jan 2, 2020	Warranty Deed, Transfer · VA Mortgage FLAGSTAR BANK FSB
Oct 3, 2019	Warranty Deed, Transfer H AND S TITLE AND ESCROW INC, H&S TITLE & ESCROW INC
Feb 20, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2020 · Amount on Record
Deed Sale	Jan 2, 2020 · Amount on Record
Prior Sale	Oct 3, 2019 · Amount on Record
Deed Document Number	20203327692
Deed Book / Page	3436 / 2325
Prior Transfer Date	Feb 20, 2019
Prior Transfer Doc	0033854176
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	315 CEDAR ST, DESTIN, FL 32541-2624
Transaction Type	Mortgage
Record Updated	Sep 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 CEDAR ST, DESTIN, FL 32541-2624

Mortgage

Document Number	0035711171
Date	Sep 2, 2021
Book Page	3571/1171
Instrument	3485498

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 2, 2020
Property Address	315 CEDAR ST, DESTIN, FL 32541-2624
Document Number	0034362325
Book / Page	3436 / 2325
Map Reference	MB 5 PG 48
Instrument Date	Dec 23, 2019
Instrument	3327692
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	PACIFIC COAST TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 812, DESTIN, FL 32540-0812

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 CEDART STREET, DESTIN, FL 32541-2624

Mortgage

Document Number	0034362327
Date	Jan 2, 2020
Instrument	3436/2327

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 3, 2019
Property Address	315 CEDAR ST, DESTIN, FL 32541-2624
Document Number	0034221043
Book / Page	003422 / 001043
Instrument Date	Sep 30, 2019
Instrument	3308980
Transaction Type	Transfer
Record Updated	Oct 23, 2019
Title Company	H AND S TITLE AND ESCROW INC, H&S TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Tax	$1,785.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 812 DESTIN FL 325400812, DESTIN, FL 32540-0812

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 20, 2019
Property Address	315 CEDAR ST, DESTIN, FL 32541-2624
Document Number	0033854176
Book / Page	003385 / 004176
Instrument Date	Feb 20, 2019
Instrument	3259847
Transaction Type	Transfer
Record Updated	Mar 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	315 CEDAR ST DESTIN FL 325412624, DESTIN, FL 32541-2624

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 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	Homeowner's exemption Veteran's exemption	$375,987 (+3.12%) Land $129,985 Building $246,002	$375,987 (+3.12%) Land $129,985 Building $246,002
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$364,619 (+7.59%) Land $117,943 Building $246,676	$364,619 (+7.59%) Land $117,943 Building $246,676
2022	$3,758.00	$338,889 Land $107,221 Building $231,668	$338,889 Land $107,221 Building $231,668

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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