321 Main St, Destin, FL 32541 Property Records

Okaloosa County property record for 321 Main St, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,536 sqft · built 1995
Lot Size	0.16 acres (6,999 sqft)
Owner	Individual Name on Record
Last Sale	$430,000 (Jul 2022)
Tax Bill	$3,168 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-9259-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-9259-5`
Alternative APN	`00-2S-22-1350-001A-0110`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,536 sqft Heated Area
Gross Area	1,728 sqft
1st Floor Area	1,536 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	6,999 sqft (0.16 acres)
Lot Width	50 ft Width
Porch	Open Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	321 MAIN ST
City	DESTIN
State	FL
Zip	32541-1916
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KELLY HOMES LOT 11 BLK 1A
Legal Range	22
Legal Township	02S
Legal Subdivision	KELLY HOMES S/D
Legal Block	1A
Legal Lot Number	11
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1010
Census Tract	23307

Owner

Source: Okaloosa County records, as of December 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	321 MAIN ST, DESTIN, FL 32541-1916
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2022	Warranty Deed, Transfer · VA Mortgage USAA FSB
Jun 11, 2021	Warranty Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2022 · Amount on Record
Deed Sale	Jul 27, 2022 · Amount on Record
Prior Sale	Jun 11, 2021 · Amount on Record
Deed Document Number	3567537
Deed Book / Page	3634 / 4504
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 27, 2022
Property Address	321 MAIN ST, DESTIN, FL 32541-1916
Document Number	0036344504
Book / Page	3634 / 4504
Map Reference	MB 3 PG 32
Instrument Date	Jul 22, 2022
Instrument	3567537
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6382 GOLDENEYE ST, 6382, VENTURA, CA 93003-0233

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 MAIN ST, DESTIN, FL 32541-1916

Mortgage

Document Number	0036344506
Date	Jul 27, 2022
Instrument	3634/4506

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 11, 2021
Property Address	321 MAIN ST, DESTIN, FL 32541-1916
Document Number	0035530197
Book / Page	3553 / 197
Map Reference	MB 3 PG 32
Instrument Date	Jun 7, 2021
Instrument	3462939
Transaction Type	Transfer
Record Updated	Jun 30, 2021
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,093.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3741 STELLA BLVD, 3741, STEGER, IL 60475-1838

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6382 GOLDENEYE ST, VENTURA, CA 93003-0233

Mortgage

Document Number	3553199
Date	Jun 11, 2021
Instrument	3553/199

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 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	$3,168.00 (-11.38%) Homeowner's exemption	$306,614 (+2.45%) Land $118,750 Building $187,864	$306,614 (+2.45%) Land $118,750 Building $187,864
2023	$3,575.00 (+7.88%)	$299,267 (+8.81%) Land $107,748 Building $191,519	$299,267 (+8.81%) Land $107,748 Building $191,519
2022	$3,314.00	$275,043 Land $97,953 Building $177,090	$275,043 Land $97,953 Building $177,090

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

Flood

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	Hurricane Frances, Sep 2004 · 39 claims Hurricane Georges, Sep 1998 · 9 claims Hurricane Opal, Oct 1995 · 35 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

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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