Okaloosa County property record for 318 Main St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,203 sqft · built 1979 |
| Lot Size | 0.392 acres (17,086 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $133,000 (Nov 2006) |
| Tax Bill | $3,470 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-4408-1 |
| Primary APN | C56-000-590-4408-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,203 sqft Heated Area |
| Gross Area | 2,176 sqft |
| 1st Floor Area | 1,203 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 17,086 sqft (0.392 acres) |
| Lot Width | 85 ft Width |
| Garage Type | Finished |
| Garage Area | 525 sqft |
| Porch | Open Porch |
| Porch Area | 448 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 318 MAIN ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1917 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KELL-AIRE GARDENS 1ST ADD LOT 24 BLK J |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | KELL-AIRE GARDENS 1ST ADD |
| Legal Block | J |
| Legal Lot Number | 24 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 23305 |
The current owner of 318 Main St bought it in November 2006.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | PO BOX 1584, SELMA, AL 36702-1584 |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 15, 2006 · Amount on File |
| Deed Sale | Nov 15, 2006 · Amount on File |
| Prior Sale | Jul 16, 2004 · Amount on File |
| Deed Document Number | 2377718 |
| Deed Book / Page | 2748 / 4983 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 318 Main St was $3,470.
Source: Okaloosa County assessment roll, as of July 1, 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 | $3,470.00 | $293,023 Land $125,345 Building $167,678 | $293,023 Land $125,345 Building $167,678 |
| 2023 | $3,117.00 (+7.85%) | $281,719 (+7.8%) Land $113,732 Building $167,987 | $281,719 (+7.8%) Land $113,732 Building $167,987 |
| 2022 | $2,890.00 | $261,329 Land $103,393 Building $157,936 | $261,329 Land $103,393 Building $157,936 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 318 Main 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 |
|
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.
The area around 318 Main 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.
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 271 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 | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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