318 Cedar St, Destin, FL 32541 Property Records

Okaloosa County property record for 318 Cedar St, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,851 sqft · built 1998
Lot Size	0.22 acres (9,598 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Jun 2018)
Tax Bill	$3,292 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-590-4326-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-590-4326-5`
Alternative APNs	`00-2S-22-3090-000E-0180` `22S2003090000E0180`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,851 sqft Living Area
Gross Area	2,533 sqft
1st Floor Area	1,851 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
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	460 sqft
Driveway	Driveway
Porch	Finished/Open Porch
Porch Area	222 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	318 CEDAR ST
City	DESTIN
State	FL
Zip	32541-2625
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KELL-AIRE GARDENS LOT 18 BLK E
Legal Subdivision	AIRE GARDENS
Legal Block	E
Legal Lot Number	18
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2007
Census Tract	23305

Owner

318 Cedar St is owned and occupied by two individuals who bought it in June 2018.

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

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 File
Mailing Address	318 CEDAR ST, DESTIN, FL 32541-2625
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Deed of Trust, Mortgage · Line of Credit EGLIN FCU
Aug 27, 2018	Deed of Trust, Mortgage · Commercial Mortgage RENASANT BANK
Jun 13, 2018	Warranty Deed, Transfer · Conventional Mortgage RENASANT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2018 · Amount on File
Deed Sale	Jun 13, 2018 · Amount on File
Prior Sale	Jul 31, 2013 · Amount on File
Deed Document Number	20183213029
Deed Book / Page	3354 / 1604
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	318 CEDAR ST, DESTIN, FL 32541-2625
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0003805952
Date	Mar 24, 2026
Instrument	3805952

Lender

Name	EGLIN FCU
Type	Credit Union
Address	FORT WALTON BEACH, FL 32547

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 23, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	318 CEDAR ST, DESTIN, FL 32541-2625
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033650247
Date	Aug 27, 2018
Book Page	3365/0247
Instrument	3228696

Lender

Name	RENASANT BANK
Type	Bank
Address	BIRMINGHAM, AL 35203

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 25, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 13, 2018
Property Address	318 CEDAR ST, DESTIN, FL 32541-2625
Document Number	0033541604
Book / Page	3354 / 1604
Map Reference	MB5 PG48
Instrument Date	Jun 1, 2018
Instrument	3213029
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3187 CEDAR ST, 3187, DESTIN, FL 32541

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	422 CAVIAR DR, FORT WALTON BEACH, FL 32548-6940

Mortgage

Document Number	0003213030
Date	Jun 13, 2018
Instrument	3213030

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 318 Cedar St was $3,292 with a homeowner's exemption.

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	$3,292.00 Homeowner's exemption	$317,026	$453,856 Land $129,985 Building $323,871
2023	$3,112.00 (+2.5%) Homeowner's exemption	$299,117 (+3%)	$449,381 (+6.95%) Land $117,943 Building $331,438
2022	$3,036.00 Homeowner's exemption	$290,405	$420,168 Land $107,221 Building $312,947

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

Flood

FEMA maps place 318 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 318 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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