Okaloosa County property record for 324 Cedar St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,933 sqft · built 1988 |
| Lot Size | 0.234 acres (10,198 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $345,000 (Feb 2015) |
| Tax Bill | $2,885 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-4329-9 |
| Primary APN | C56-000-590-4329-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,933 sqft Heated Area |
| Gross Area | 2,479 sqft |
| 1st Floor Area | 1,933 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 10,198 sqft (0.234 acres) |
| Lot Width | 85 ft Width |
| Garage Type | Finished |
| Garage Area | 462 sqft |
| Porch | Open Porch |
| Porch Area | 84 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 324 CEDAR ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2625 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KELL-AIRE GARDENS LOT 21 BLK E |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | KELL AIRE GARDENS |
| Legal Block | E |
| Legal Lot Number | 21 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 23305 |
Source: Okaloosa County records · APN C56-000-590-4329-9
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 324 CEDAR ST, DESTIN, FL 32541-2625 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 02, 2015 · Amount on Record |
| Deed Sale | Feb 02, 2015 · Amount on Record |
| Prior Sale | Dec 27, 2013 · Amount on Record |
| Deed Document Number | 2975970 |
| Deed Book / Page | 3182 / 3103 |
| Record Updated | Jun 08, 2026 |
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 | $2,885.00 (+5.87%) Homeowner's exemption | $282,680 (+5.99%) | $435,745 (+3.28%) Land $129,985 Building $305,760 |
| 2023 | $2,725.00 (+2.56%) Homeowner's exemption | $266,712 (+3%) | $421,891 (+7.38%) Land $117,943 Building $303,948 |
| 2022 | $2,657.00 Homeowner's exemption | $258,944 | $392,893 Land $107,221 Building $285,672 |
Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), as of March 8, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120910233052, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
|
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile USA.
Based on FCC filings for 317 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL1460202, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | DESTIN WATER USERS, INC. private · serves 31,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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