Okaloosa County property record for 319 Main St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,456 sqft · built 1993 |
| Lot Size | 0.161 acres (6,999 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $355,000 (May 2026) |
| Tax Bill | $3,706 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Oct 2025 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-9258-7 |
| Primary APN | C56-000-589-9258-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,456 sqft Living Area |
| Gross Area | 2,144 sqft |
| 1st Floor Area | 1,076 sqft |
| Upper Floors Area | 380 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 6,999 sqft (0.161 acres) |
| Lot Width | 50 ft Width |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Driveway | Driveway |
| Porch | Screened/Unfinished Porch |
| Porch Area | 448 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 319 MAIN ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1916 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KELLY HOMES LOT 10 BLK 1A |
| Legal Subdivision | KELLY HOMES |
| Legal Block | 1A |
| Legal Lot Number | 10 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 23307 |
Source: Okaloosa County records, as of June 3, 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 Record |
|---|---|
| Mailing Address | 319 MAIN ST, DESTIN, FL 32541-1916 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 15, 2026 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION |
| Oct 31, 2025 | Warranty Deed, Transfer MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 15, 2026 · Amount on Record |
| Deed Sale | May 15, 2026 · Amount on Record |
| Prior Sale | Oct 31, 2025 · Amount on Record |
| Deed Document Number | 20263816824 |
| Prior Transfer Date | Mar 26, 2025 |
| Prior Transfer Doc | 0003747236 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | May 15, 2026 |
| Property Address | 319 MAIN ST, DESTIN, FL 32541-1916 |
| Document Number | 0003816824 |
| Instrument Date | May 14, 2026 |
| Instrument | 20263816824 |
| Transaction Type | Transfer |
| Record Updated | Jun 3, 2026 |
| Title Company | MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $250,985.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 319 MAIN ST, DESTIN, FL 32541-1916 |
| Document Number | 0003816825, |
|---|---|
| Date | May 15, 2026 |
| Instrument | 20263816825 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Oct 31, 2025 |
| Property Address | 319 MAIN ST, DESTIN, FL 32541-1916 |
| Document Number | 0003781973 |
| Map Reference | MB 3 PG 32 |
| Instrument Date | Oct 30, 2025 |
| Instrument | 3781973 |
| Transaction Type | Transfer |
| Record Updated | Dec 1, 2025 |
| Title Company | MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,380.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6686 WOODBERRY RD, COLUMBUS, GA 31904-2298 |
| Name | Verified Name |
|---|---|
| Address | 436 BAY TREE DR, MIRAMAR BEACH, FL 32550-7868 |
Source: Okaloosa County assessment roll, as of December 31, 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 | $3,706.00 (+10.13%) | $312,948 (+3.5%) Land $118,750 Building $194,198 | $312,948 (+3.5%) Land $118,750 Building $194,198 |
| 2023 | $3,365.00 (+7.68%) | $302,355 (+7.42%) Land $107,748 Building $194,607 | $302,355 (+7.42%) Land $107,748 Building $194,607 |
| 2022 | $3,125.00 | $281,460 Land $97,953 Building $183,507 | $281,460 Land $97,953 Building $183,507 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 24 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 96 (1982–2014) |
| Claims Outside the SFHA | 50 of 96 |
| Most Recent Claim | Apr 2014 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding |
| 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.
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 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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