Okaloosa County property record for 321 Cedar St, Destin, FL 32541 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2005 |
| Square Footage | 2,411 sqft Heated Area |
| Lot Size | 10,799 sqft (0.247 acres) |
| Garage | Finished, 660 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $2,922.00 (2025) |
| Primary APN | C56-000-590-4354-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,411 sqft Heated Area |
| Gross Area | 3,542 sqft Gross Area |
| 1st Floor | 2,411 sqft 1st Floor |
| Stories | 1 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Brick Exterior |
| Roof Construction | Cathedral/Clerestory Roof Construction |
| Roof Material | Wood Roof |
| Lot Area | 10,799 sqft (0.247 acres) |
| Lot Width | 90 ft Width |
| Garage Type | Finished Garage |
| Garage Area | 660 sqft Garage |
| Porch | Open Porch |
| Porch Area | 471 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Street Address | 321 CEDAR ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2624 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | KELL-AIRE GARDENS LOT 3 BLK G |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | KELL AIRE GARDENS |
| Legal Block | G |
| Legal Lot Number | 3 |
| Jurisdiction | OKALOOSA FL |
| Minor Civil Division | FORT WALTON BEACH |
| Census Blockgroup | 2 |
| Census Block | 2023 |
| Census Tract | 23305 |
Source: Okaloosa County records · APN C56-000-590-4354-7
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 321 CEDAR ST, DESTIN, FL 32541-2624 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Oct 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 21, 2017 | Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK |
| Jun 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Verified Name on Deed |
|---|---|
| Prior Sale | Jun 05, 2000 · Amount on Record |
| Last Transfer Date | Jun 28, 2004 |
| Transfer Doc | 0025424843 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 321 CEDAR ST, DESTIN, FL 32541-2624 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0035824022 |
|---|---|
| Date | Oct 26, 2021 |
| Book Page | 3582/4022 |
| Instrument | 3499650 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 321 CEDAR ST, DESTIN, FL 32541-2624 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0033304044 |
|---|---|
| Date | Dec 21, 2017 |
| Book Page | 3330/4044 |
| Instrument | 3179134 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 321 CEDAR ST, DESTIN, FL 32541-2624 |
| Document Number | 0034692285 |
| Instrument Date | Jun 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 06, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 321 CEDAR ST DESTIN FL 325412624, DESTIN, FL 32541-2624 |
| Document Number | 0034692285 |
|---|---|
| Date | Jun 17, 2020 |
| Book Page | 003469/002285 |
| Instrument | 3366289 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 16, 2040 |
Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Destin City |
| Unified School District | Okaloosa County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,922.00 (+5.87%) Homeowner's exemption | $285,769 (+5.99%) | $554,966 (+3.77%) Land $129,985 Building $424,981 |
| 2023 | $2,760.00 (+2.56%) Homeowner's exemption | $269,626 (+3%) | $534,822 (+7.26%) Land $117,943 Building $416,879 |
| 2022 | $2,691.00 Homeowner's exemption | $261,773 | $498,635 Land $107,221 Building $391,414 |
Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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