316 Cedar St, Destin, FL 32541 Property Records

Okaloosa County property record for 316 Cedar St, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,001 sqft · built 1988
Lot Size	0.22 acres (9,598 sqft)
Owner	2 Individual Names on File
Last Sale	$232,785 (Feb 2022)
Tax Bill	$3,925 (2022)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-590-4325-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-590-4325-7`
Alternative APNs	`00-2S-22-3090-000E-0170` `22S2003090000E0170`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,001 sqft Living Area
Gross Area	3,823 sqft
1st Floor Area	1,931 sqft
Upper Floors Area	584 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2015
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	9,598 sqft (0.22 acres)
Lot Width	80 ft Width
Garage Type	Detached
Garage Area	336 sqft
Driveway	Driveway
Porch	Finished/Open Porch
Porch Area	148 sqft
Patio Area	338 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	316 CEDAR ST
City	DESTIN
State	FL
Zip	32541-2625
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KELL-AIRE GARDENS LOT 17 BLK E
Legal Subdivision	AIRE GARDENS
Legal Block	E
Legal Lot Number	17
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2007
Census Tract	23305

Owner

316 Cedar St is owned and occupied by two individuals who bought it in February 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	316 CEDAR ST, DESTIN, FL 32541-2625
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2022	Quit Claim Deed, Transfer · VA Mortgage PACIFIC SUN MORTGAGE
Oct 22, 2019	Deed of Trust, Mortgage · VA Mortgage BEACH COMMUNITY MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2022 · Amount on File
Deed Sale	Feb 28, 2022 · Amount on File
Prior Sale	Sep 10, 2007 · Amount on File
Deed Document Number	20223530262
Deed Book / Page	3606 / 4770
Prior Transfer Date	Feb 4, 2022
Prior Transfer Doc	0036064770
Record Updated	Oct 29, 2026

February 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 28, 2022
Property Address	316 CEDAR ST, DESTIN, FL 32541-2625
Document Number	0036064770
Book / Page	3606 / 4770
Map Reference	MB 5 PG 48
Instrument Date	Feb 4, 2022
Instrument	3530262
Transaction Type	Transfer
Record Updated	Mar 23, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$1,629.50
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	316 CEDAR ST, 316, DESTIN, FL 32541-2625

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 CEDAR ST, DESTIN, FL 32541-2625

Mortgage

Document Number	0036064773
Date	Feb 28, 2022
Instrument	3606/4773

Lender

Name	PACIFIC SUN MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	316 CEDAR ST, DESTIN, FL 32541-2625
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034251469
Date	Oct 22, 2019
Book Page	3425/1469
Instrument	3313246

Lender

Name	BEACH COMMUNITY MORTGAGE SERVICES INC
Type	Mortgage Company
Address	FORT WALTON BEACH, FL 32547

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

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	$397,525	$619,961 Land $129,985 Building $489,976
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$375,070 (+3%)	$604,120 (+7.23%) Land $117,943 Building $486,177
2022	$3,925.00 Homeowner's exemption	$364,146	$563,374 Land $107,221 Building $456,153

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

Flood

FEMA maps place 316 Cedar St in Zone X, an area of minimal flood risk, though there have been 29 flood claims nearby since 1995.

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 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

The area around 316 Cedar St 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.

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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