Okaloosa County property record for 325 Main St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,170 sqft · built 1994 |
| Lot Size | 0.16 acres (6,999 sqft) |
| Owner | Individual Name on File |
| Last Sale | $320,000 (Jan 2021) |
| Tax Bill | $3,389 (2025) |
| Deeds & Mortgages | Jan 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-9261-1 |
| Primary APN | C56-000-589-9261-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,170 sqft Heated Area |
| Gross Area | 1,974 sqft |
| 1st Floor Area | 1,170 sqft |
| Flooring | Stone |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Exterior Material | Vinyl |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 6,999 sqft (0.16 acres) |
| Lot Width | 50 ft Width |
| Garage Type | Finished |
| Garage Area | 396 sqft |
| Porch | Open Porch |
| Porch Area | 96 sqft |
| Patio Area | 312 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 325 MAIN ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1916 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KELLY HOMES LOT 13 BLK 1A |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | KELLY HOMES S/D |
| Legal Block | 1A |
| Legal Lot Number | 13 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 23307 |
325 Main St is owned and occupied by an individual who bought it in January 2021.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 325 MAIN ST, DESTIN, FL 32541-1916 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 13, 2021 · Amount on File |
| Deed Sale | Jan 13, 2021 · Amount on File |
| Prior Sale | Mar 21, 2007 · Amount on File |
| Deed Document Number | 3421861 |
| Deed Book / Page | 3518 / 1699 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jan 13, 2021 |
| Property Address | 325 MAIN ST, DESTIN, FL 32541-1916 |
| Document Number | 0035181699 |
| Book / Page | 3518 / 1699 |
| Map Reference | MB 3 PG 32 |
| Instrument Date | Jan 7, 2021 |
| Instrument | 3421861 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,240.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 249 W 109TH ST # ST1A, 249, NEW YORK, NY 10025-2361 |
| Name | Verified Name |
|---|---|
| Address | 199 PINE BRANCH CT, SOUTHERN PINES, NC 28387-4975 |
| Document Number | 0035181701 |
|---|---|
| Date | Jan 13, 2021 |
| Instrument | 3518/1701 |
| Name | PRIMELENDING |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
The 2025 property tax bill for 325 Main St was $3,389 with a homeowner's exemption.
Source: Okaloosa County assessment roll, as of July 1, 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 | $3,389.00 Homeowner's exemption | $325,275 | $330,415 Land $118,750 Building $211,665 |
| 2023 | $3,205.00 (+2.49%) Homeowner's exemption | $306,901 (+3%) | $319,791 (+7.33%) Land $107,748 Building $212,043 |
| 2022 | $3,127.00 Homeowner's exemption | $297,962 Land $97,953 Building $200,009 | $297,962 Land $97,953 Building $200,009 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 325 Main St in Zone X, an area of minimal flood risk, though there have been 96 flood claims nearby since 1982.
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 File 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 |
|
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.
The area around 325 Main St has no burnable land within ember reach, so its wildfire risk is not rated.
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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