349 Louise Cir, Destin, FL 32541 Property Records

Okaloosa County property record for 349 Louise Cir, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,695 sqft · built 2000
Lot Size	0.216 acres (9,391 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (Nov 2020)
Tax Bill	$5,069 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-8465-9`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-8465-9`
Alternative APNs	`00-2S-22-1138-000D-0040` `22S2001138000D0040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,695 sqft Living Area
Gross Area	2,281 sqft
1st Floor Area	1,695 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	9,391 sqft (0.216 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Finished/Open Porch
Porch Area	30 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	349 LOUISE CIR
City	DESTIN
State	FL
Zip	32541-4301
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIDDEN PINES S/D LOT 4 BLK D
Legal Subdivision	HIDDEN PINES S/D
Legal Block	D
Legal Lot Number	4
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1019
Census Tract	23305

Owner

349 Louise Cir is owned by two individuals who bought it in November 2020.

Source: Okaloosa County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	380 SWOOPE DR, SOUTHERN PINES, NC 28387-2735
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2020	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING
May 15, 2017	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2020 · Amount on File
Deed Sale	Nov 17, 2020 · Amount on File
Prior Sale	May 15, 2017 · Amount on File
Deed Document Number	20203408202
Deed Book / Page	3506 / 1061
Record Updated	Oct 29, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 17, 2020
Property Address	349 LOUISE CIR, DESTIN, FL 32541-4301
Document Number	0035061061
Book / Page	3506 / 1061
Map Reference	MB 17 PG 30&31
Instrument Date	Nov 12, 2020
Instrument	3408202
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	PRATT AYCOCK TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1203 N 10TH PL, 1203, RENTON, WA 98057-5630

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 ELK RIDGE LN, SOUTHERN PINES, NC 28387-5172

Mortgage

Document Number	0035061064
Date	Nov 17, 2020
Instrument	3506/1064

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 15, 2017
Property Address	349 LOUISE CIR, DESTIN, FL 32541-4301
Document Number	0032992330
Book / Page	003299 / 002330
Instrument Date	May 15, 2017
Instrument	3134889
Transaction Type	Transfer
Record Updated	Jul 11, 2017
Title Company	BRIGHT LIGHT LAND TITLE COMPANY LLC, BRIGHT LIGHT LAND TITLE CO LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	349 LOUISE CIR DESTIN FL 325414301, DESTIN, FL 32541-4301

Mortgage

Document Number	32992332
Date	May 15, 2017
Book Page	003299/002332
Instrument	3134890

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 14, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 349 Louise Cir was $5,069.

Source: Okaloosa County assessment roll, as of December 31, 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	$5,069.00	$428,053 Land $135,185 Building $292,868	$428,053 Land $135,185 Building $292,868
2023	$4,067.00 (+2.42%) Homeowner's exemption	$379,058 (+3%)	$415,759 (+12.97%) Land $122,660 Building $293,099
2022	$3,971.00 Homeowner's exemption	$368,017 Land $92,924 Building $275,093	$368,017 Land $92,924 Building $275,093

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

Flood

FEMA maps place 349 Louise Cir in Zone X, an area of minimal flood risk, though there have been 65 flood claims nearby since 1991.

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 156 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	258 units insured incl. 102 condo units
Nearby Flood Claims	65 (1991–2021)
Claims Outside the SFHA	43 of 65
Most Recent Claim	Jun 2021 · other causes
Claims by Event	Hurricane Frances, Sep 2004 · 10 claims Hurricane Georges, Sep 1998 · 10 claims Hurricane Opal, Oct 1995 · 17 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

Wildfire risk around 349 Louise Cir is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond 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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
LiveOak Fiber Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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