Okaloosa County property record for 320 Cedar St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,360 sqft · built 1983 |
| Lot Size | 0.22 acres (9,598 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $347,000 (Sep 2023) |
| Tax Bill | $3,425 (2025) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage Aug 2022 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-4327-3 |
| Primary APN | C56-000-590-4327-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,360 sqft Living Area |
| Gross Area | 1,835 sqft |
| 1st Floor Area | 1,360 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Exterior Material | Aluminum/Vinyl |
| 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 | 418 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 57 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 320 CEDAR ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2625 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KELL-AIRE GARDENS LOT 19 BLK E |
| Legal Subdivision | AIRE GARDENS |
| Legal Block | E |
| Legal Lot Number | 19 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 23305 |
Source: Okaloosa County records, as of December 31, 2025
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 | 320 CEDAR ST, DESTIN, FL 32541-2625 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 5, 2023 | Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP |
| Aug 31, 2022 | Warranty Deed, Transfer · Line of Credit COMMUNITY BANK OF MISSISSIPPI |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 5, 2023 · Amount on Record |
| Deed Sale | Sep 5, 2023 · Amount on Record |
| Prior Sale | Aug 31, 2022 · Amount on Record |
| Deed Document Number | 20233645274 |
| Deed Book / Page | 3690 / 2473 |
| Prior Transfer Date | Sep 28, 2006 |
| Prior Transfer Doc | 0027412644 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 5, 2023 |
| Property Address | 320 CEDAR ST, DESTIN, FL 32541-2625 |
| Document Number | 0036902473 |
| Book / Page | 3690 / 2473 |
| Map Reference | MB 5 PG 48 |
| Instrument Date | Aug 31, 2023 |
| Instrument | 3645274 |
| Transaction Type | Transfer |
| Record Updated | Sep 26, 2023 |
| Title Company | NOT AVAILABLE, BELL LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,429.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 404 HARBOR BLVD, DESTIN, FL 32541-2326 |
| Name | Verified Name |
|---|---|
| Address | 320 CEDAR ST, DESTIN, FL 32541-2625 |
| Document Number | 0036902475 |
|---|---|
| Date | Sep 5, 2023 |
| Instrument | 3690/2475 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Aug 31, 2022 |
| Property Address | 320 CEDAR ST, DESTIN, FL 32541-2625 |
| Document Number | 0036402086 |
| Book / Page | 3640 / 2086 |
| Map Reference | MB 5 PG 48 |
| Instrument Date | Aug 29, 2022 |
| Instrument | 3575259 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2022 |
| Title Company | MEAD LAW AND TITLE, MEAD LAW AND TITLE PLLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,905.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 543 VACATION LN, 543, GULF SHORES, AL 36542-7839 |
| Name | Verified Name |
|---|---|
| Address | 404 HARBOR BLVD, DESTIN, FL 32541-2326 |
| Document Number | 0036402088 |
|---|---|
| Date | Aug 31, 2022 |
| Instrument | 3640/2088 |
| Name | COMMUNITY BANK OF MISSISSIPPI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
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 | $3,425.00 (+3.63%) | $289,269 (+4.55%) Land $129,985 Building $159,284 | $289,269 (+4.55%) Land $129,985 Building $159,284 |
| 2023 | $3,305.00 (+208.59%) | $276,669 (+117.25%) Land $117,943 Building $158,726 | $276,669 (+7.89%) Land $117,943 Building $158,726 |
| 2022 | $1,071.00 Homeowner's exemption | $127,352 | $256,427 Land $107,221 Building $149,206 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
|
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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