323 Cedar St, Destin, FL 32541 Property Records

Okaloosa County property record for 323 Cedar St, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,513 sqft · built 1983
Lot Size	0.247 acres (10,799 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Jul 2019)
Tax Bill	$3,076 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-590-4353-9`

Property Details

APN / Parcel Number

Primary APN	`C56-000-590-4353-9`
Alternative APN	`00-2S-22-3090-000G-0020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,513 sqft Heated Area
Gross Area	2,235 sqft
1st Floor Area	1,513 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 2010
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	10,799 sqft (0.247 acres)
Lot Width	90 ft Width
Garage Type	Finished
Garage Area	520 sqft
Porch	Open Porch
Porch Area	42 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	323 CEDAR ST
City	DESTIN
State	FL
Zip	32541-2624
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KELL-AIRE GARDENS LOT 2 BLK G
Legal Range	22
Legal Township	02S
Legal Subdivision	KELL AIRE GARDENS
Legal Block	G
Legal Lot Number	2
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2023
Census Tract	23305

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
Mailing Address	323 CEDAR ST, DESTIN, FL 32541-2624
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2023	Deed of Trust, Mortgage · Conventional Mortgage EGLIN FCU
Sep 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Jul 2, 2019	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Feb 12, 2019	Warranty Deed, Transfer OLD SOUTH LAND TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2019 · Amount on Record
Deed Sale	Jul 2, 2019 · Amount on Record
Prior Sale	Feb 12, 2019 · Amount on Record
Deed Document Number	3288547
Deed Book / Page	3406 / 4757
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	323 CEDAR ST, DESTIN, FL 32541-2624
Transaction Type	Mortgage
Record Updated	May 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036691153
Date	Apr 4, 2023
Book Page	3669/1153
Instrument	3615761

Lender

Name	EGLIN FCU
Type	Credit Union
Address	FORT WALTON BEACH, FL 32547

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2038

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	323 CEDAR ST, DESTIN, FL 32541-2624
Transaction Type	Mortgage
Record Updated	Sep 29, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 CEDAR ST, DESTIN, FL 32541-2624

Mortgage

Document Number	0035743161
Date	Sep 17, 2021
Book Page	3574/3161
Instrument	3489440

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	RIVERSIDE, CA 92505

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 1, 2051

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 2, 2019
Property Address	323 CEDAR ST, DESTIN, FL 32541-2624
Document Number	0034064757
Book / Page	3406 / 4757
Map Reference	MB 5 PG 48
Instrument Date	Jun 28, 2019
Instrument	3288547
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3905 INDIAN TRL, 3905, DESTIN, FL 32541-4330

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 CEDAR ST, DESTIN, FL 32541-2624

Mortgage

Document Number	0034064760
Date	Jul 2, 2019
Instrument	3406-4760

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 12, 2019
Property Address	323 CEDAR ST, DESTIN, FL 32541-2624
Document Number	0033844848
Book / Page	003384 / 004848
Instrument Date	Feb 5, 2019
Instrument	3258465
Transaction Type	Transfer
Record Updated	Feb 22, 2019
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount Recorded
Tax	$1,120.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3805 INDIAN TRL DESTIN FL 325412005, DESTIN, FL 32541-2005

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	$3,076.00 (+5.81%) Homeowner's exemption	$298,840 (+5.99%)	$371,893 (+1.61%) Land $129,985 Building $241,908
2023	$2,907.00 (+32.02%) Homeowner's exemption	$281,959 (+27.45%)	$365,984 (+21.52%) Land $117,943 Building $248,041
2022	$2,202.00 Homeowner's exemption	$221,234	$301,171 Land $107,221 Building $193,950

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 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	Hurricane Dennis, Jul 2005 · 5 claims Hurricane Frances, Sep 2004 · 7 claims Hurricane Georges, Sep 1998 · 7 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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